#and the other 50% she’s like: ‘actually R h just needs guidance. MY guidance. everyone else is corrupting them.

[foreverppl]

I Put a Spell on You (Because You’re Mine)

Roxanne “Roxy” Rose/Samira Darcy | 1.1k words | IF: Can’t Save Your Love From Dying

God, Samira really doesn’t want to come. Doesn’t want to give Roxanne the satisfaction of making her come, not after the shit she pulled today. She wants to maintain her composure. Say in a sure tone, “Sorry, baby. You just don’t do it for me anymore.”

But Roxanne is fucking into her like her life depends on it. Working her up and tearing her down with each snap of her hips with such ease that it’s almost embarrassing. It is embarrassing.

More than embarrassing, it’s fucking annoying.

And it’s not even fair because Roxanne knows her body so well. She knows every place to linger, where to push, where to pull. Samira becomes absolutely certain she’s fighting a losing battle when she feels Roxanne getting that angle, hitting that spot and instantly something in her stomach is pulling taut and her head’s tilting back and she swears she’s seeing fucking stars behind her eyelids—

And then she’s there, at the tip of the spear. The piercing is sharp and sudden, but it just doesn’t stop. She can feel herself—distantly, very distantly—making a mess of the toy, of Roxanne’s thighs. Even then Roxanne—her lover, her worst enemy, her fucking baby—doesn’t stop working her through it, whispering downright filthy things in her ear until she’s all spent and boneless. And then Samira has to physically halt anymore movement because of the discomfort.

Fuck, she thinks with her sweaty forehead pressed against Roxanne’s shoulder, that’s probably the hardest I’ve ever come.

Roxanne, then: “I think that’s the hardest—“

Samira shuts her up with a searing kiss.

Later that night—or the next morning. Sometime in that nebulous period where one day melts into another, whatever—they find themselves still wrapped up in each other. Bed sheets slung across them, warding off the worst of the chill.

Samira loves it. Luxuriates in the ease of it. These moments somehow always feel the most real. Or the most normal, at least. Whatever normal even means anymore. Those moments when Roxanne’s eyes are unfocused due to sheer exhaustion rather than whatever concoction of drugs and alcohol she’s consumed. Where she gets to have Roxanne all to herself. No pathetic screaming fans or annoying bandmates looking to touch, to harass, to demand attention. Nothing to tempt Roxanne away. Just them. The way it should be.

“I didn’t know it’d get this bad.” Samira starts, whispered voice breaking up the silence. Outside, somewhere below, she hears a car horn. Then a siren. The amalgam of city life drifting into the penthouse at a low hum. None of it can touch them from this high up. Not really. Not now. Samira shuffles back with some intent until she feels Roxanne’s arms tighten around her. Smothering. Secure. “Didn’t think I’d let it.”

“What,” Roxanne mumbles from behind, voice thick with sleep. “What are you talking about?”

“When we first met…” Samira continues on, only distantly registering the question. This is more for her than it is for Roxanne anyhow. Aimless stream of consciousness, whispered aloud in the dead of night. “I did get the impression that you could ruin me, but I figured it’d be a matter of me allowing it to happen. I mostly thought I could—well, this sounds bad, and change you isn’t even necessarily the right wording—but—”

“Fix me, then?” Roxanne cuts in, voice a little more lucid now.

“You’re not broken.” Samira deigns to respond this time, her tone resolute. “Misguided. Misguided, definitely. But not broken.” Not yet.

“Fine,” Samira feels the heat of Roxanne’s breath against her nape as she huffs out the word. “You thought you could… what? Mother me into being one of the many upstanding, reasonable, boring rockstars who go to bed at 9pm and eat quinoa salads or whatever. Is that it?”

Samira rolls her eyes at the heat behind the words, because that really hadn’t been the point she was trying to make at all. She ignores her sarcasm to focus on the part that catches her attention.

“Is that what you think I do?” Samira shifts, suddenly regretting her decision to respond at all. “Mother you?”

Roxanne is silent for a moment, two, then: “Well, you do like being called—“

“One time! That was one fucking time and I just wanted to see - stop laughing!” Samira defends, though relishing in the feel of Roxanne’s laughter vibrating against her back.

Samira has always loved her laughter. Always. Even when it’s the cruel kind. She’s told her this before, she thinks, on one of those late nights where she stayed up long enough to watch her coming down from whatever she took. She loves the look of it on her mouth, the way it sounds. Loves swallowing it up with a kiss, licking the edges of it with her tongue.

“I don’t mean to hurt you, baby.” Roxanne says once her laughter has calmed down. Voice faltering a little like she’s drifting off again. “Just wanna have fun.”

Maybe Samira could stand it better if she knew Roxanne hurt her on purpose as some sick form of entertainment. It’s better than her doing it repeatedly on accident. The idea that their lives are so incongruent, that they are so incompatible as people, that just by virtue of Roxanne being who she is Samira is the one who ends up getting hurt…

Samira eschews the thought. She knows—knows deeply, without doubt—that she could make this work. That if Roxanne simply listened to her once in a while that she could get them on track. There’s nothing Samira wouldn’t do to make her happy. Really, truly happy. A happiness that could be maintained even after the drugs wore off. Roxanne just has to let her.

Roxanne’s arms start to slip away from her, sleep loosening her hold or just general restlessness. Either way, Samira tightens her grip over the arm still slung around her, stilling the movement. Forces herself to ease up a little once she realizes her nails are digging into Roxanne’s skin. Rubs her thumb over the indents they leave.

Roxanne, now deep in slumber, doesn’t even twitch. Samira releases a sigh and allows her eyes to slip closed.

[kennethherrerablog]

Our Review of 2019’s Best Tax Software (Including the Free Versions)

It’s everyone’s least favorite time of year: tax season.

Between frantically searching for your tax forms, organizing your receipts and trying to figure out how much it’s going to cost you to file, tax season is stressful… to say the least. Thankfully, easy-to-use software is here to help. Some of it’s even free.

The Best Paid Tax Software

The three best online tax software with paid plans are undoubtedly TurboTax, H&R Block and TaxAct.

The Best Tax Software Overall: TurboTax

TurboTax has four plans. When you look at the plans online, you’ll see a price crossed out for each option, then a lower price featured next to it.

What’s the real price? After talking with TurboTax customer service, the employee told me she didn’t know when (or if) the higher price would come into play. She advised us to just take the lower price into account—which we were thrilled to hear!

Here are the four plans:

The Free Edition is completely free, both for state and federal tax returns. If your situation is fairly simple, this is a good plan for you.

The Deluxe is TurboTax’s most popular plan because it’s for homeowners and people who donate to charities. This plan is $30 to $40 to file for federal and $39.99 for state filing.

The Premier is $60 to $80 for federal and $39.99 for state. This plan is good for people who have investments and rental property.

The Self-Employed is for, you guessed it, self-employed people. It is $90 to $120 to file federal and $39.99 for state.

So, what makes TurboTax the best online tax filing software? Two things come to mind: It’s extremely easy to use, and TurboTax has your back.

Even a CPA will vouch for TurboTax. “I actually informally started my own tax practice using TurboTax to prepare people’s returns from my kitchen table,” Ben Rugg, CPA, said. “In my opinion, TurboTax is the best.”

Take the following into consideration:

You can snap a photo of your W-2. With TurboTax, you don’t have to spend an hour typing in all that information from each of your W-2s. Just snap a picture of your W-2 and upload it to the site, and you’re good to go.

You have live support available. You can use TurboTax online customer service, 24/7. Keep in mind, this is not the same as TurboTax Live, which provides you with help from certified CPAs and EAs at an extra cost. The live support available in these plans simply gives you access to a TurboTax specialist.

You won’t miss a thing. TurboTax reviews all your information and gives you the “green light” when you’re in the clear to submit everything.

Maximum refund is guaranteed. TurboTax is confident you will owe the least – or will get the most back – when you e-file using their product in comparison to using any other software. If you receive better results by using another tax software, TurboTax will give your money back.

You have personalized audit support. TurboTax provides complementary audit support, which means professionals are available to give you advice if you’re audited by the IRS. If you want audit defense, or legal representation by an enrolled agent when dealing with an IRS audit, you can purchase it for $39.95.

The Tax Software with the Best Support: H&R Block

H&R Block has five online tax filing plans:

The Free online plan for simple situations costs $0 for both federal tax and state returns.

The Deluxe online plan costs $22 to $50 for federal and $36.99 for state. It is ideal for homeowners, people who donate frequently and those with health savings accounts.

The Premium online plan is for freelancers, contractors and investors and costs $38 to $70 for federal and $36.99 for state filing.

The Self-Employed online plan is for self-employed people and small business owners. We’ve seen the price range from $60 to $104 for federal and the same price of $36.99 for state filing.

The Tax Pro Review is for people who want the help of a professional. They’ll review your work and e-file for you, and you can contact them year-round, not just during tax season. This plan costs $119 for federal and $36.99 for state filing.

H&R Block offers services similar to those of TurboTax, such as the ability to snap photos of W-2s and obtain audit support. (You can purchase its Peace of Mind service to receive audit defense for only $30.)

However, it doesn’t have quite as many fancy features as TurboTax. For example, it’s harder to jump around from section to section with H&R Block. So, while it’s still easy to use, it’s not as user friendly as TurboTax.

What sets H&R Block apart from TurboTax? Its customer service.

Maybe this is your first time filing your own taxes, or you have unique issues, like you have to include information for three jobs in two states or self-employment income. H&R Block could work for you if you think you’ll have a lot of questions along the way.

Here’s what makes H&R Block’s customer service stand out:

You can ask for help in several ways. As with TurboTax, you can ask for help via live chat. For most of the year, you can only access live chat during certain hours of the day. However, during tax season (Jan. 15 – April 17) they’re available 24/7. Their phone service is available for longer hours than what most other companies offer, they have offices for in-person consultations and you can even tweet at them with questions.

Share your screen. You don’t have to struggle to explain your issues to customer support. You can share your screen with them so they can see exactly what you’re going through and show you what to do.

Access the technical and tax help center. H&R Block splits its help questions into three sections: online filing help for issues like troubleshooting, software help for inquiries about how to actually use the software and tax guidance for general questions about how to file your taxes. They have all their bases covered, and it’s easy to navigate.

It provides a tax checklist. If you’re a visual learner, H&R Block’s checklists can help you stay on task and put your mind at ease. The company will provide you with a standard one, but if you prefer to create your own, it asks you questions and puts together a personalized list for your needs.

The Best Tax Software for Budget Filers: TaxAct

All you Penny Hoarders out there are probably excited for a budget option, and TaxAct doesn’t disappoint. It comes with five plan options:

The Free plan is completely free for both federal and state returns.

The Basic Plus plan is only $10 to $15 for federal returns. Their state return fee of $19.95 is lower than the fee charged by the following three plans. The other tax software companies on this list maintain a flat fee for state returns regardless of the plan. TaxAct is unique in offering a lower fee here.

The Deluxe Plus plan costs $30 to $48 for federal tax returns and $39.95 for state returns. TaxAct recommends the Deluxe Plus plan for homeowners and for people who have used credits or deductions over the past year. You should also use this plan if you want to report itemized deductions.

The Premier Plus plan costs $40 to $58 for federal returns and $39.95 for state returns. This is the plan TaxAct recommends, because it covers the most bases. You can use the Premier Plus plan to do everything you’d need to do with the previous three plans, as well as report any money earned from rental property, stocks or investments. As an added bonus, you also have more advanced support options, including chat through the TaxAct app and the ability to share your screen with your representative.

The Self-Employed Plus plan only costs $49.95 for federal returns. To give you an idea of just how cheap that is, remember that the comparable option by TurboTax is $89.99, while H&R Block’s is $79.99! TaxAct’s state returns cost $39.95.

TaxAct doesn’t have quite as many bells and whistles as TurboTax or H&R Block. For example, it doesn’t offer a live support chat. However, considering how low the prices are, you still get a quality services with some nifty features, including the following:

It’s easy to use from year to year. In every plan other than the free one, you can automatically import the previous year’s tax return that you completed through TaxAct. In fact, you can access a year’s return for up to seven years. TaxAct even has a “Life Events Section,” where you simply check which life events have changed from the previous year. Maybe you’ve gotten married or had a child. If you think you’ll be filing your own taxes for the foreseeable future, TaxAct just made this way easier.

TaxAct guarantees 100% accuracy. If you don’t get the highest tax refund or lowest amount due through TaxAct, the company gives you a full refund and pays the difference in what you could have gotten. The best part? If TaxAct wasn’t 100% accurate, it covers any legal costs it caused, up to $100,000.

It provides audit support. Just like TurboTax and H&R Block, TaxAct offers audit support, and you can buy audit defense. However, this will cost you $44.95, which is a little more expensive than buying audit defense from its competitors.

  H&R Block TurboTax TaxAct Price ranges provided. Tax software prices will fluctuate throughout tax season. Costs for Federal Free: $0 Deluxe: $22 to $50 Premium: $38 to $70 Self Employed: $60 to $104 Tax Pro Review: $119 Free Edition: $0 Deluxe: $30 to $40 Premier: $60 to $80 Self Employed: $90 to $120 Free: $0 Basic+: $10 to $15 Deluxe+: $30 to $48 Premier+: $40 to $58 Self Employed+: $60 to $78 Costs for State Free: $0 All other plans: $36.99 Free Edition: $0 All other plans: $39.99 Free: $0 Basic+: $19.95 All other plans: $39.95 Level of Support Ask a Tax Pro service (unlimited chat and screen share), price varies by package; Tax Pro Review for $119.99 federal and $36.99 state filings; free 24/7 tech support; brick-and-mortar locations for assistance, but that comes at a fee. TurboTax Live Basic for $89.99 federal and $29.99 state (essentially is the free version of TurboTax but with on-demand video access to an actual tax professional, who provides a final review); video tutorials; in-app chat; etc. Minimal, but increases with higher-tiered packages; ranges from online FAQs to phone and in-app chat, though reviews of these support options aren’t kind. Tools Can pay for Tax Pro Review; has good in-app tools (like W-2 import, a searchable database and links to important information). Most user-friendly interface on the market; basic in-app tools (like W-2 import, chat/interview experience for filling out, etc.) Basic in-app tools (like W-2 import and calculators); improved over previous years, but still rudimentary.

The Best Free Tax Software

You may think that all free tax software is the same. Not the case!

When browsing the internet, you’ll see ads by software companies that claim you can file for free using their product. Some of these programs only offer free tools for federal returns, though. You still have to pay for state tax returns.

To keep you from wasting time, we’ve only listed software that offers both federal and state returns for free. These are high-quality software that you can trust!

TurboTax Free Edition

Before we dive into TurboTax Free Edition, we want to clarify something. You may have heard about TurboTax FREEDOM Edition, which is different from the Free Edition. The FREEDOM Edition was a free tax service for people who earned under $30,000 per year and active military members who earned under $58,000 per year.

Unfortunately, the FREEDOM Edition no longer exists because the IRS changed some rules this year. While this is annoying, remember that if you’re in the military, you still receive discounts on TurboTax paid software!

Alright, now onto TurboTax Free Edition. Here’s a list of features you still receive with free filing:

You can still import photos of your W-2 instead of typing out all the information.

You still have access to live, 24/7 support.

They’ll give you audit guidance. This is a huge perk for a free program.

H&R Block Free Online

Like TurboTax, H&R Block’s Free Online program is available to anyone with a simple tax situation.

You can still snap a picture of your W-2 instead of typing in the information.

You still have access to technical support via chat.

When you upgrade to the Deluxe plan, you can access your tax information from the previous six years. Unfortunately, that isn’t included in the free version.

TaxAct Free Edition

TurboTax and H&R Block offer free programs for anyone filing a simple tax return. TaxAct, on the other hand, limits its free plan to people with a W-2 form who have no dependents.

If you need to file a 1099 or have dependents, you’ll need to either pay for an upgrade or go with one of the other free programs.

If these rules apply to you, you still get some good benefits with the Free Edition:

You can still snap photos of your W-2.

You still have a maximum refund guarantee. That may sound silly, because you’re not paying for this service. How could you receive a refund? Well, this means TaxAct will pay any difference in your lower refund or higher amount due if you got a better deal with another company. Also, TaxAct will still pay you up $100,00 for any legal costs.

Unfortunately, as with H&R Block, you can’t access previous years’ tax information with the free version.

Credit Karma Tax

You may be surprised that this one made the list. Credit Karma Tax has only been around for a few years, but it’s already made a name for itself.

The main downside is that this free software doesn’t support multiple states. If you’ve worked in more than one state this year, one of the previous options on this list will be a better fit.

Here’s what you need to know about Credit Karma Tax:

Premium features are free. If you own a home, have kids or own stocks, you’ll have to pay to upgrade with the other software on this list. Not with Credit Karma Tax! Everything is free.

It provides audit defense. If the IRS comes knocking on your door to audit you, Credit Karma has your back.

There have been complaints. You knew it had to be too good to be true, didn’t you? Because Credit Karma is so new, there have been some glitches and issues that they’ve worked to fix. However, customers are reporting that it has improved significantly since last year.

Should I Do My Own Taxes or Hire a Tax Professional?

Rugg gave us his opinion regarding when people should opt for a tax professional rather than do their own taxes.

“In my experience, there are five situations where taxpayers should consider using a professional—when they get married, when they buy a home, when they have a child, when they have investments and/or when they are self-employed,” he said.

Rugg said those circumstances all add new levels of tax considerations that might be missed by someone who isn’t a professional.

You may choose to use a tax professional every year once you’ve encountered one of these situations in your life. You don’t have to, though.

For example, the year you get married, it’s a good idea to go to a professional. However, after you talk to them and gain a better understanding of your situation, you may feel comfortable filing your own taxes after a year or two.

If you’re a single W-2 employee with no dependents or property, then there’s not really any reason to use a tax expert. In fact, you can probably just use free tax software instead of paying for either professional help or for an upgraded version of tax software.

Hopefully, with the best online tax filing software at hand, April 15 doesn’t seem so ominous to you now. Just don’t put off filing your taxes until April 14, and you’ll be fine.

Laura Grace Tarpley is a freelance writer and editor at FluentU. She spends her free time playing with her puppies, Tuna and Gumbo. Follow her on Twitter @lgtarpley.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Our Review of 2019’s Best Tax Software (Including the Free Versions) published first on https://justinbetreviews.tumblr.com/