#Emergency Fund Benefits

[roosterfinancial]

Emergency Funds: Why You Need One and How to Build It

Having an emergency fund is a crucial aspect of financial planning. Life is unpredictable, and unexpected expenses can arise at any time. In this comprehensive guide, we will explore the importance of having an emergency fund and provide practical steps to help you build one. The Importance of an Emergency Fund An emergency fund serves as a financial safety net that provides a buffer during…

[sapphia]

USA please listen to me: the price of “teaching them a lesson” is too high. take it from New Zealand, who voted our Labour government out in the last election because they weren’t doing exactly what we wanted and got facism instead.

Trans rights are being attacked, public transport has been defunded, tax cuts issued for the wealthy, they've mass-defunded public services, cut and attacked the disability funding model, cut benefits, diverted transport funding to roads, cut all recent public transport subsidies, cancelled massive important infrastructure projects like damns and ferries (we are three ISLANDS), fast tracked mining, oil, and other massive environmentally detrimental projects and gave the power the to approve these projects singularly to three ministers who have been wined and dined by lobbyists of the companies that have put the bids in to approve them while one of the main minister infers he will not prioritise the protection of endangered species like the archeys frog over mining projects that do massive environmental harm. They have attacked indigenous rights in an attempt to negate the Treaty of Waitangi by “redefining it”; as a backup, they are also trying to remove all mentions of the treaty from legislation starting with our Child Protection laws no longer requiring social workers to consider the importance of Maori children’s culture when placing those children; when the Waitangi Tribunal who oversees indigenous matters sought to enquire about this, the Minister for Children blocked their enquiry in a breach of comity that was condemned in a ruling — too late to do anything — by our Supreme Court. They have repealed labour protections around pay and 90 day trials, reversed our smoking ban, cancelled our EV subsidy, cancelled our water infrastructure scheme that would have given Maori iwi a say in water asset management, cancelled our biggest city’s fuel tax, made our treasury and inland revenue departments less accountable, dispensed of our Productivity Commission, begun work on charter schools and military boot camps in an obvious push towards privatisation, cancelled grants for first home buyers, reduced access to emergency housing, allowed no cause evictions, cancelled our Maori health system that would have given Maori control over their own public medical care and funding, cut funding of services like budgeting advice and food banks, cancelled the consumer advocacy council, cancelled our medicine regulations, repealed free prescriptions, deferred multiple hospital builds, failed to deliver on pre-election medical promises, reversed a gun ban created in response to the mosque shootings, brought back three strikes = life sentence policy, increased minimum wage by half the recommended amount, cancelled fair pay for disabled workers, reduced wheelchair services, reversed our oil and gas exploration ban, cancelled our climate emergency fund, cut science research funding including climate research, removed limits on killing sea lions, cut funding for the climate change commission, weakened our methane targets, cancelled Significant National Areas protections, have begun reversing our ban on live exports. Much of this was passed under urgency.

It’s been six months.

[cyber-soul-smartz]

Mastering Financial Literacy: A Complete Guide

Unlock your path to financial freedom! Dive into our comprehensive guide on financial literacy, budgeting, saving, investing, and retirement planning. Share your thoughts, ask questions, and join the conversation to take control of your financial future.

The Concept of Financial Literacy Financial Literacy Concept                Did you know that one in five American adults would rather spend more time planning their vacations than managing their finances? A survey by MyBankTracker  (n.d.) revealed that nearly 20.1 percent of American adults spend more time researching travel details than handling their money matters, yet 34 percent use an…

[ana-bananya]

List of organizations and fundraisers you can donate to to help Sudan:

The numbers are simply to help me keep track of how many links I've added since tumblr has a 100 link limit on posts.

Most of these links will take you the posts I've made about these fundraisers that provide brief summaries so you can check for verification and see where your money is going.

‼️ indicates that a fundraiser has experienced a decrease in donations or has been without donations for some time

Last progress update done on Aug. 9th 2024

Sudanese American physicians association

Sudanese American Medical Association

Doctors Without Borders (MSF)

Save the Children

Sudan Solidarity Collective

Sudan diaspora networks Sudan benefit fundraiser

Darfur Women Action Group

Fight Hunger in Sudan: The Khartoum Kitchen appeal

Nas Al Sudan

Twitter thread with actions that can be taken to support Sudan

Sadeia

Help Sudan- Sudan Relief Fund

Relief and Rehabilitation for Disabilities Support (HRRDS)

Sara's (Bsonblast) link tree for Sudan

One Million Sustainable Pads Campaign (€42,744/€200,000 - VERY low on funds) ‼️

Sunduq Al Sudan - support grassroots organizations in Sudan

School Supplies for Sudan - $10,000$10,016/$10,000 raised

Save El Geneina initiative

Food Baskets in Sudan

Takaful

Action Against Hunger

Mutual Aim team fundraiser for Congo, Sudan, and Tigray ($39,223/$35,000)

Help house a homeless disabled Sudani in London (£4,158/£4,500) ‼️

Emergency Fund for Sudanese Family ($24,271 CAD/$25,000 CAD) ‼️

Help us escape the war in Sudan $55,210 raised

Help Sajida and her family evacuate from Sudan ($37,953 CAD/$50,000 CAD) ‼️

Help Eman and her family evacuate (£38,573/CHF38,475) ‼️

Help Eman's extended family evacuate ($1,126/$30,000 - VERY low on funds) ‼️

Help Randa's family evacuate Sudan (€20,375/€27,000) ‼️

Support Sakina's Family's Journey to Safety ($10,030/$10,000)

Help Sudanese refugees stranded in Ethiopia (£38,573/£30,000)

Help Aalaa evacuate and get treatment for her mother ($13,525/$20,000 - VERY low on funds)

Support a Community Stuck In Sudan ($22,872/$40,000 - VERY low on funds)

Save Omiama's eyesight (€5,225/€14,725) ‼️

Help Abudjana rebuild after war (£3,195/£5,000) ‼️

Help a Sudanese student finish med school ($2,170/$2,500) ‼️

Help a family of 13 evacuate Sudan ($1,780/$20,000 - VERY low on funds) ‼️

Help Refugee’s escape Sudan Conflict ($14,109 CAD/$31,000 CAD - VERY low on funds) ‼️

Safe Passage ممر آمن- Help a mom and her kids escape war ($6,299 CAD/$7,000 CAD) ‼️

Help Medical Students in Sudan (€1,586/€350,000 - VERY lowonfunds) ‼️

Help Mujtaba's Family Escape the war in Sudan ($5,775/$18,527 - VERY low on funds) ‼️

Help Raise Money for Displaced Sudanese Families in Egypt this Eid

Amal for Women

Help dialysis patients in Sudan

Help Yumna's Family Escape War in Sudan - $5,066/$5,000 raised

Sudan Emergency Appeal

Help Mehad's Family Fly to Hope ($2,493/$5,000 - VERY low on funds) ‼️

Medical and sanitary supplies to support women & children in Congo, Nigeria, and Sudan ($420 CAD/$3,000 CAD - VERY low on funds) ‼️

Help Sudanese Families escape from war (€10,351/€50,000 - VERY low on funds)

Help ThomaSerena recover from war (€1,814/€5,000 - VERY low on funds) ‼️

Help Asjad and her Family Escape War in Sudan ($16,915/$20,000)

Help support families impacted by war (supporting the Basmat Wasal, Sameh Makki kitchen appeal, and medical supplies for Northern State hospital initiatives) (£59,133/£80,000)

Emergency aid for Ahmeds family to escape warzone in Sudan (£3,727/£10,000 - VERY low on funds) ‼️

Help A Family Flee Sudan’s War (£732/£10,000 - VERY low on funds) ‼️

Support families in Kalma IDP camp - £16,170/£16,000 raised

Help a Sudanese Doctor Continue her Education in Egypt ($3,232 AUD/$9,100 AUD - VERY low on funds) ‼️

Support financial aid for Gezira medical students in sudan (£1,347/£2,000) ‼️

Asala's family - evacuation and medical treatment ($4,777/$30,000 - VERY low on funds) ‼️

Help a Sudanese family flee war and afford medical funds (€3,242/€13,000 - VERY low on funds) ‼️

Sudan Children's Cancer Organization ($16,739/$55,000 - VERY low on funds) ‼️

Support for Sudanese Refugees in Cairo ($6,050/$25,000 - VERY low on funds) ‼️

Support for family affected by recent events in Sennar paypal campaign ended - $2,514/$20,000 raised

Help Salma's family get to safety (£3,465/£6,000) ‼️

Bring Mohammad Esa's family back together (£1,345/£3,700 - VERY low on funds) ‼️

Help two medical students evacuate Sudan with their family ($754/$45,000 - VERY low on funds) ‼️

Help Nour Rebuild Her Life and Career (£551/£5,000 - VERY low on funds) ‼️

Help a displaced family escape Sudan Genocide (£10,683/£30,000 - VERY low on funds)

Support Muhammad's Artistic Journey Amid Sudan's Turmoil ($2,679/$25,000 - VERY low on funds) ‼️

10K for Sudan famine relief, organized by AUC_SICC ($8,317/10,000)

Al Geneina Trauma Center Gfm shut down Al Geneina's campaign, please see other ways to donate here

Support Alaa, her husband, and their children (£4,516/£5,000) ‼️

Help Yousif and his family evacuate ($35/$15,000 - VERY low on funds) ‼️

[ramakantthinks]

Achieving Mastery in Smart Loans Management Techniques

Mastering smart loan management techniques can save you from stress and financial burdens. Whether you're starting a dream business or buying a dream home, it's crucial for young professionals and families alike. In this article, let’s explore some simple yet powerful strategies to achieve mastery in handling loans.

Understanding Your Loan

Before diving headfirst into the sea of loans, take a moment to understand the loan you're opting for. Be it a personal loan, home loan, or any other type, grasp the terms and conditions, interest rates, and repayment plans. Ignorance is not bliss when it comes to loans, so ask questions and clarify doubts with your lender.

Also Read: Travel Now, Pay Later: How Travel Loans Can Make Wanderlust a Reality

Setting a Realistic Budget

Hey, we get it – splurging on that new gadget or designer bag is tempting, but remember, loans are not free money. It's necessary to set a realistic budget and stick to it. Understand your income, expenses, and the EMI you can comfortably afford. Striking this balance will keep you on track to repay your loan without compromising your financial stability.

Choosing the Right Lender

In India's diverse financial market, lenders are aplenty, each with enticing offers. But hold your horses and do your homework! Opt for a reputable lender who provides competitive interest rates, favorable repayment options, and excellent customer service. This ensures you get the best deal and support throughout your loan journey.

Embracing Technology

Namaste, digital age! Embrace technology to streamline your loan management process. Many financial institutions offer user-friendly mobile apps and websites that enable you to track your loan status, make payments, and access important information. By leveraging these digital tools, you can conveniently stay on top of your loan game.

Building an Emergency Fund

Life in India can be unpredictable, and emergencies might crop up when you least expect them. While repaying your loan, it's wise to simultaneously build an emergency fund. This safety net will prevent you from falling into a debt spiral if unforeseen circumstances arise, such as medical emergencies or sudden job loss.

Avoiding Multiple Loans

Sometimes, too much of a good thing can backfire. While it may be tempting to take multiple loans simultaneously, it's essential to weigh the consequences. Managing multiple EMIs can become overwhelming, leading to unnecessary stress. Opt for one loan at a time, and once you've successfully repaid it, then consider taking another.

Prepayment Benefits

Did you know you can be an Indian loan management wizard by making prepayments? If you come across some extra cash or receive a hefty bonus, consider making partial prepayments on your loan. Not only does this reduce your principal amount, but it also saves you on interest payments. Smart, right?

Regularly Reviewing Finances

In the hustle and bustle of daily life, it's easy to forget to review your finances regularly. But remember, financial growth is a journey that demands consistent attention. Set aside time every month to review your loan status, track expenses, and analyze your progress. This habit will help you make informed decisions and adapt your loan management strategies as needed.

Also Read: Why You Should Get a Pre-Owned Car in India

Seeking Professional Advice

When in doubt, seek the wisdom of financial experts. India has a pool of talented financial advisors who can provide valuable insights into your loan management plan. Their expertise can assist you in optimizing your loan repayment strategy, helping you navigate through financial challenges effectively.

Conclusion

Mastering smart loan management techniques in India requires a combination of knowledge, discipline, and embracing technology. By understanding your loan, budgeting wisely, and making informed decisions, you can become a pro at managing loans effectively. So, take charge of your financial journey, and let smart loan management lead you to a prosperous future!

[ctbraininjurysupportservice-blog]

Is CCC's secret electronic randomization system for federally funded programs legal?

Is this secret referral system violating the rights of the disabled?

How long has CCC's this secret system been in place?

How many Approved Agency Providers have possibly been affected by this secret system?

Who may be benefiting from CCC's secret referral system?

ABI Resources will let keep you informed as we discover more information.

Investigating the Legality and Impact of CCC's Secret Electronic Randomization System on Federally Funded Programs

Subtitle: Exploring the potential implications for Approved Agency Providers and the rights of disabled individuals

Introduction:

Recently, questions have emerged regarding the legality of CCC's secret electronic randomization system utilized in federally funded programs. This system, which has been operating clandestinely for an unspecified duration, could potentially impact numerous Approved Agency Providers and raise concerns about the rights of disabled individuals involved in these programs.

The legality of the Secret Electronic Randomization System

A comprehensive analysis of the legality of CCC's secret electronic randomization system is necessary, taking into account federal and state regulations, as well as any potential breaches of constitutional rights.

Duration of the Secret System's Implementation

Further investigation is required to determine the exact length of time that the secret electronic randomization system has been in place and the extent of its impact on federally funded programs.

Potential Effects on Approved Agency Providers

The number of Approved Agency Providers possibly affected by this clandestine system is currently unknown, necessitating a thorough examination to assess the system's impact on the delivery and quality of services provided.

Implications for the Rights of Disabled Individuals

It is crucial to evaluate whether the secret referral system might be infringing upon the rights of disabled persons, particularly in terms of equal access to services and protection against discrimination.

Conclusion:

As we continue to uncover more information about CCC's secret electronic randomization system, ABI Resources remains committed to providing unbiased, professional, and comprehensive updates on the issue. Stay tuned for further developments as we work to unravel the implications of this system on federally funded programs, Approved Agency Providers, and the rights of disabled individuals.

ABI Resources has taken steps to address these concerns by reaching out to the federal government for assistance. Specifically, the organization has requested an investigation into management practices and has requested more detailed information about the programs, including the total number of program-approved agency providers, the entity responsible for managing and updating the approved provider directory list, information about public access to this list and Care Management referral practices of federal program agency providers. ABI Resources' requests for information have been made in accordance with the Freedom of Information Act (FOIA).

ABI Resources remains committed to steadfast advocacy for the rights of individuals with disabilities. We are dedicated to staying informed and up-to-date on the latest developments, and we pledge to keep you informed as we receive new information.

This article sheds light on the concerns surrounding the lack of transparency and accountability in Connecticut's federally funded programs.

Connecticut, brain-injured individuals, transparency, accountability, Approved Provider Directory, care management referral processes, Medicaid agency providers, lack of access, concerns, confusion, investigation, advocacy, Freedom of Information Act. Trending

#trendingnow #ctnewss #Democrats #Republicans #FOIA #BreakingNews #news #Connecticut

ABI Resources contacted,

Erin Kane Head of Quality and Performance Improvement for CCC Connecticut Community Care. and Julia Evans Starr, President, of CCC Connecticut Community Care. And they are not providing clarity.

[always-coffee]

Authors League Fund

Shamelessly pilfered from @neil-gaiman, who wrote this:

I serve on the Board of Directors of the Authors League Fund, which helps career writers in financial need. As an emergency fund, we provide non-taxable cash support for rent, utilities, groceries, medical bills, and other pressing needs. We have been doing this work since 1917, helping thousands of professional writers across the US. If you become aware of a writer who might benefit from our support, please send them our way: www.authorsleaguefund.org. Applications are confidential and handled quickly and with respect.

We help a broad range of writers: authors, journalists, critics, essayists, poets, short story writers, dramatists, and—recently added—graphic novelists and librettists. We have a special focus on health emergencies and writers in retirement, and hope you will keep us in mind if you learn of a friend, colleague, or client who is struggling.

Spread the word...

[lonniemachin]

🚨 EMERGENCY: HELP MARAH AND HER FAMILY SURVIVE DISPLACEMENT 🚨

The IOF has dropped new leaflets in the place Marah and her family are staying ordering all to evacuate to a “safer” area once again. They are already struggling after multiple similar displacements, but now do not have the funds to be able to move again — each second spent where they are is a second spent in danger of being murdered. This is EXTREMELY URGENT. PLEASE contribute what you can to their fundraiser so that they, mostly children, may leave again to escape the bombing. ANYTHING counts.

You can also enter my jewelry raffle I’ve set up to help benefit them and 2 other Palestinian families in need.

Again, this is an EMERGENCY and EXTREMELY TIME-SENSITIVE. Please don’t leave Marah and her family to die. She is 100% legitimate as I know the manager of her campaign personally and connected them to each other. A friend of mine knows friends of hers on the ground in Gaza.

Tagging for reach:

@brutaliakhoa @dykesbat @bludgeoningbutch @appsa @schoolhater @magnus-rhymes-with-swagness @watermotif @rhubarbspring @stuckinapril

@heritageposts @determinate-negation @sayruq @ot3 @amygdalae @yugiohz @pollackpatrol @laurajameskinney @mavigator @batmanego

[johnbrand]

Recycling

I watched as the next employee entered the chamber. He appeared a bit confused, probably having expected a conference room rather than the dark space with mirrored walls. By the look of it, he had no idea that any one of the panes were one-sided, hesitantly fidgeting with his tie as he announced his presence with a timid “Hello?”

I leaned into the microphone, “Good afternoon.” The nervous boy’s eyes dashed around the room, trying to identify the person speaking to him. His physical characteristics and mannerisms resembled a mouse, small and skittish.

“Am I supposed to be here?” he eventually replied, choosing the speaker above my viewpoint as his receptor.

“Yes, this is the meeting to discuss your annual review.” I replied. “You're in the right place, Mr. Donson. Would you like for me to refer to you by your given name?”

The boy shuffled anxiously, “Drayton is fine.”

Habitually, I continued. “I’m sure you're wondering why your annual review this year is different from those in the past. Don’t worry Drayton, you are still one of our top performers, and your review reflects your incredible performance.”

Feeling a delicate surge of confidence, Drayton let a smile sneak up onto his lips. Being clean shaven and still holding some baby fat, it frankly was quite endearing. Cute even.

“As you are already aware, our company has been having some financial issues recently. And as a high-ranking official in our accounting department, I am sure that you are more than knowledgeable on the details of this subject.”

Drayton’s youthful glee faltered for a moment.

“Unfortunately, we do not have the funds available to keep you on board and give you a raise,” I started. “The company would like to offer you a deal: in exchange for accepting a substandard review and a 19% decrease in pay, we will offer you external benefits.”

Shock emerged from Drayton’s face, “What benefits would be worth a fifth of my paycheck?”

“Unfortunately I am liable to disclose that information,” I robotically replied. “You can either accept or tender a resignation.” 

Drayton took a moment to decide, just like all the other employees typically did. But eventually, they all convinced themselves that losing employment at the company was the worse of the two options.

“I’ll accept.”

“Stand by.” I followed procedure, locking the exits and airways into the chamber. Once that was done, I began flipping the switches. Steam mechanisms, followed by audio machines, followed by visual projectors. I did not even pay attention to the squabbling accountant, panicking as his chamber was bombarded with smoke, abrasive phonics, and commands that flashed against the walls and reflected into every corner of the room. 

Thanks to the padding in my control room, I absorbed none of it. I simply ignored Drayton’s screams and opened my laptop, getting back to my own duties as the process did its work. With all the vapors, I typically could not witness any of the changes that happened anyway–which also meant I could never attest to possible allegations if our company did ever come under some sort of legal fire in the future. But sometimes I did spot little things, flashes of commands that were being ingrained into the employee. MASCULINE, TRADITIONAL, ATTENTIVE. The small letters would pulse by an instant, although they were meaningless to me within my enclosed accommodations.

Eventually, my timer went off, and I closed out of the procedure. I exited the program and flipped the switches back over, shutting off all stimulatory mechanisms. It took a moment for the smoke to clear, presenting me with a new version of the employee. More muscular, more masculine, and more virile.

“How are you feeling, Mr. Donovan?”

"It’s Donson, boss." The man stood tall, stoic. His voice now held much more depth and presence.

"It’s Donovan, Drake Donovan,” I affirmed. “That's what's in our system."

I watched the man process this, the command’s installation literally visible behind his now less-intelligent eyes. 

“I see you were able to find part of your new uniform already.” I was referring to the briefs and sweatshorts that were covering the lower half of Drake’s much larger body. The remnants of the former business casual outfit were scattered across his large feet. “The closet behind you will contain the rest of your attire. Company fitness uniforms and approved footwear that will better fit your size and new position.”

“New position?” Drake inquired, his question curious rather than interrogative.

“The company has decided to reassign you as a security liaison, seeing as that will be a better fit for your paygrade.” I typed away at my reviewal report, adding in details of Drake’s benefits package. Increase in height, dramatic increase in musculature, increase in hair, increase in virility…

To save money, the company liked to recycle its employees. We would bring in fresh graduates to run our corporate operations, and then once they hit their pay ceiling, recycled them into more manual, less intellectually-driven roles. Naturally, no one ever filed any complaints about this procedure as no one realized it existed. And even if they did, they would no longer have the brains capable to file such a complaint.

“Sounds good, boss,” Drake replied, even though I had already known what his answer was going to be. With his dominating size and brutish stature, Drake had been remodeled into the standard male form that we needed for our team. And with this mind simplified to only focusing on traditional objectives (upholding masculinity, working out, fulfilling his role), Drake was now bound to solely focus on the company’s objectives. Thanks to the recycling process, our company would keep the profits high and the employee turnover low. And now, Drake would remain entertained without the extra money by merely following orders and enjoying the simpler things in life, like flexing his muscles.

[bitchesgetriches]

On leaving home for the first time:

Leaving Home before 18: A Practical Guide for Cast-Offs, Runaways, and Everybody in Between

Ask the Bitches: “I Just Turned 18 and My Parents Are Kicking Me Out. How Do I Brace Myself?”

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

How To Start at Rock Bottom: Welfare Programs and the Social Safety Net

Advice I Wish My Parents Gave Me When I Was 16

Ask the Bitches: How Can I Make Myself Financially Secure Before Age 30?

You Won’t Regret Your Frugal 20s

Master the Logistics and Etiquette of Moving Out

Season 2, Episode 5: “What Do I Need to Know about Moving into My First Apartment?”

On basic finance:

How the Hell Does One Open a Bank Account? Asking for a Friend.

How Do You Write and Cash Checks? Asking for a Friend.

Budgets Don’t Work for Everyone—Try the Spending Tracker System Instead

You Must Be This Big to Be an Emergency Fund

A Hand-Holding Guide to Getting Your First Credit Card

How to File Your Taxes FOR FREE: Simple Instructions for the Stressed-Out Taxpayer

Dafuq Is Credit and How Do You Bend It to Your Will?

How to Save for Retirement When You Make Less Than $30,000 a Year

Dafuq Is Interest and How Does It Work for the Forces of Darkness?

What’s the Difference Between Savings and Checking Accounts, and How Should I Be Using Them?

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

Dafuq Is Insurance and Why Do You Even Need It?

Investing Deathmatch: Investing in the Stock Market vs. Just… Not

Dafuq Is a Retirement Plan and Why Do You Need One?

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

On managing your household:

How the Hell Does One Laundry? Asking for a Friend.

How the Hell Does One Wash Dishes? Asking for a Friend.

Ask the Bitches: Why Are Painted Mason Jars the Internet’s Only Solution to My Tiny Apartment Woes?

9 Essential Tools for Apartment-Dwellers (and 6 That Are Kinda Useless)

Ask the Bitches: How Can I Survive in an Apartment with No Heat?

How to Save Money on Your Beloved Pets

Bullshit Reasons Not to Buy a House: Refuted

How To Maintain Your Car When You’re Barely Driving It

25 Tricks to Stay Cool WITHOUT Air Conditioning

On feeding and caring for yourself:

You Should Learn To Cook. Here’s Why.

How to Shop for Groceries like a Boss

If You Don’t Eat Leftovers I Don’t Even Want to Know You

I Think I Need to Go the Emergency Room?

Ask the Bitches: Ugh, How Do I Build the Habit of Taking Meds?

On maintaining relationships:

Season 1, Episode 8: “My Mother Demands Information About My One-Night Stands.”

Season 1, Episode 3: “My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?”

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again?

Ask the Bitches: My Dad Sucks with Money. How Do I Make Him Change?

You Need to Talk to Your Parents About Their Retirement Plan

Season 2, Episode 1: “I’m Financially Stable, but My Friends Aren’t. The Guilt Is Crushing!”  

On starting your career:

22-Year-Olds Don’t Belong in Grad School

High School Students Have No Way of Knowing What Career to Choose. Why Do We Make Them Do It Anyway?

The Actually Helpful, Nuanced, Non-Bullshit Way to Choose a Future Career

Your College Major May Not Prepare You for Your Job—but It Can Prepare You for Life

The Ugly Truth About Unpaid Internships

Your School or Workplace Benefits Might Include Cool Free Stuff

[sunderwight]

contemplating an SVSSS fic where Airplane transmigrates into Tianlang Jun instead of Shang Qinghua.

he wakes up before Tianlang Jun was about to walk into the HH Palace Master's plot, but too late to really do much about Su Xiyan's situation or the frame job. of course, being Airplane, he doesn't go face down the sects and get sealed under a mountain. but he also doesn't know what to do about the whole situation with Luo Binghe.

he was too vague in his outline and especially in his actual story. finding Xiyan or possibly some random washer woman who lives along the Luo river is a needle in a haystack situation, and he didn't ask for any of this to happen to him, so he just ends up leaving it alone. Tianlang Jun goes back to the demon realms with his confused (but relieved) nephew, and works on consolidating his power there and on thwarting the attempted incursions of Huan Hua Palace.

HHP has egg on their face because they riled up the other sects and got them into this alliance/ambush plot and then the heavenly demon they were supposed to fight didn't even show up. hasn't even been seen in the human world since. while HHP tries to spin it as them being so strong and formidable that they scared him off, the other sects feel like they're just blowing hot air and trying to take credit for something that never even happened. was that head disciple of theirs even involved with a demon at all? suspicious how she just disappeared, too. maybe it's a cover-up. no one's particularly impressed or convinced after the fact that HHP's claims are on the level.

which at least means that there's no concerted effort to wage a war or anything. Tianlang Jun meets a young Mobei Jun and Airplane decides to expend a lot of time and energy in helping the young prince consolidate his own power, so that's a whole thing. there's no system so Airplane's not obliged to preserve the plot, but he still knows it's out there and he's gotta skirt the line between giving MBJ absolute power on a silver platter and not setting MBJ up to be killed by the protagonist one day.

there are benefits and problems to TLJ mostly leaving Luo Binghe's whole journey untouched. on the one hand, he anticipates that everything around Luo Binghe will continue just like in the novel, so that's easy to predict. but on the other hand, that means he's in for some trouble when the blackened protagonist emerges all super-powered and unbeatable from the abyss and starts taking revenge on everyone who wronged him (a category which potentially includes the deadbeat dad who abandoned him for years).

so as the time of the immortal alliance conference approaches, Tianlang Jun starts to think that he needs to get ahead of this.

the most logical solution is to prevent Luo Binghe becoming quite as OP of a protagonist as he'd been the first time. since TLJ is plenty powerful himself (one of the things Airplane enjoys! as well as being very rich!) LBH really does need every edge he could possibly get to be a threat to him. so, why let him gain those edges?

this leads to TLJ's brilliant plan: just don't let Luo Binghe get thrown into the Endless Abyss! no blackening, no all-powerful weapon, no gauntlet of monsters to hone his skills, just a run-of-the-mill heavenly demon hybrid who could never in a million years take his old man in a fight!

TLJ decides he can two-birds-with-one-stone this situation by capturing Shen Qingqiu. then, one day if LBH does still make it to his doorstep, he can present him with his hated scum villain as a peace offering. like well son I know I abandoned you to suffer on your own, but plausibly I didn't even know you existed, so here, have your abuser to dismember in cathartic violence as you please! become a filial son and this old man will help fund whatever massive harems you want to build!

genius!

so, shortly before the immortal alliance conference is set to take place, TLJ goes and steals himself a peak lord.

Shen Qingqiu is... kind of different from what he expected? but oh well, it's been years since he wrote the novel and lots of characters have turned out somewhat different in person from how they were on the page, and the guy was always a mess of contradictions anyway. TLJ hands him over to his servants with strict instructions to keep him locked up, but not to harm or kill him (revenge is reserved for the protagonist, after all!)

Zhuzhi Lang, who witnessed the last debacle where his uncle took a sudden keen interest in a cold but beautiful human cultivator, makes entirely the wrong assumption (as do a lot of the palace staff) and figures that TLJ has just become more pragmatic about pursuing his lovers. Shen Qingqiu is given appropriate chambers (and restrictions) and word soon spreads that the Demon Emperor has captured a human cultivator to serve as his concubine.

so, this version of SQQ has actually been Shen Yuan since Luo Binghe joined the sect (and also doesn't have a system and thus had zero plans of throwing LBH into the abyss), and he is desperately trying to figure out what kind of changes he has unwittingly invoked here that Luo Binghe's father should be still alive, and free, and also kidnapping him to be his goddamn concubine?! that has to be a misunderstanding, right?!

Mobei Jun is mad. and jealous. and mad. but a concubine isn't an empress, so that job posting is still available, right? it better be, he has been waiting more than a decade for the official proposal!

TLJ meanwhile decides he's going to go secretly watch the immortal alliance conference just to make sure that the universe doesn't contrive to drop LBH into the abyss anyway, but weirdly enough, Luo Binghe isn't even there. listening to rumors, he gathers that uh... some stuff has changed? like Luo Binghe is head disciple of Qing Jing Peak? and apparently went crazy when Shen Qingqiu disappeared? except that some people think they might have eloped???

maybe he shouldn't get his rumors from Xian Shu disciples, those girls remind him of rpf conspiracy theory shippers from his old life. they're probably just way off base! hahaha... ha...?

well at least TLJ did a pretty good job of covering his tracks, so there's no reason for anyone to suspect that he captured Shen Qingqiu. or there shouldn't be, until he goes back home to find that every single demon seems to believe that Shen Qingqiu has been taken by him to be his lover. where did anyone even get that idea?! TLJ has been dutifully pining in his unrequited and inappropriate love for the young Mobei Jun for years now! whenever anyone asks he insists he's still mourning Su Xiyan! it's been a whole thing!

but oh shit, truth aside, there's no way those kinds of rumors have remained strictly contained to demon ears. both demons and cultivators have their spies after all, and even if they didn't, news moves along the borders.

sure enough, TLJ barely has time to try and dismantle this misunderstanding before a young Luo Binghe arrives on his doorstep, along with Yue Qingyuan and the very-much-still-alive lord of Bai Zhan peak, for some reason, all of them extremely pissed off at him!

[a-d-nox]

web of wyrd: goals you should set to become your best self

this is just a theory of mine because these bubbles of the matrix should represent your higher self. i feel like it could work for the outside numbers too that changes yearly... anywho - this is not to say that you can't accomplish goals/resolution not listed in your category / under your energetic number nor that your efforts not listed in your selection don't make you a better person. this is simply what i believe people with these numbers would benefit from doing and how they can gain new found confidence in themselves.

1 - the magician

start a garden, work on passion project(s), read or write a business/self-help books, get a tarot/astrology/mediumship reading, study more tarot/astrology/mediumship, complete an art project, make your own soap or candles, start taking vitamins daily, declutter, learn to cook, learn to code, get car detailed, start journaling, do a paid class or certification course, start learning a new language, learn more about heritage, learn how to do nails at home, start a side hustle, learn to knit or crochet, learn how to manage a bonsai, or go to a concert

2 - the high priestess

delve deeper into spiritual practices, eat to support hormones, learn to bake, take a mixology course or find your signature drink (if you are of age), start or restructure a self-care routine, take a beach/cruise vacation, play brain games, learn to makes candles, go to a fondue experience, reset closet or revamp style, try a juice cleanse, take a cooking class, get a tarot/astrology/mediumship reading, practice tarot/astrology/mediumship abilities, or take self-defense class

3 - the empress

build up your crystal collection, reset closet or revamp style, go to an art museum, see a ballet or take a ballet class, sketch daily, practice makeup looks, keep a flower garden, get jewelry cleaned or revamp jewelry collection, save for real pearl/diamond/stone jewelry, learn to make your own candy/sweets, start a budget or emergency fund, reset closet or revamp style, save for a designer piece/accessory, start a new beauty/skincare routine, take a trip to a fancy restaurant, learn how to dried your own fruits, start a garden or try to grow something new in your garden, go to a concert/orchestra, read or write a poetry book, go to a play, start wearing lingerie (sometimes it's a pick me up to know you look good for yourself), get a boudoir photoshoot done, go to a vineyard or wine tasting (for those of drinking age), or take a dance class

4 - the emperor

start a new skincare routine, go on a rock climbing retreat, start going to the gym or become a personal trainer, try an adrenaline rush activity (skydiving, bungee jumping, etc), take a wood shop class, get more into your coffee - learn about sourcing/grinding beans, start taking better care of your eyes, start a hair care routine, start an oral health routine, start meditating, or start using time blocking or following a planner

5 - the hierophant

sketch daily, go on an architectural tour, start a beauty routine, go to a history museum, learn how to make pastries/sweets/candies, get your earrings cleaned professionally or save for a quality set, learn how to make sour dough, save for real pearl/diamond/stone jewelry, take piano/organ lessons or give them, take or give singing lessons, or take a class

6 - the lovers

get car detailed, get car license, do a bicycle marathon or learn how to rider a bike, read a set number of books, buy a quality briefcase / work tote, go on a day trip, start a gym membership or soulcycle classes, build up you crystal collection and learn how to use them, upgrade your desk set up, go for hand & foot message, learn how to do nails at home, start reading the newspaper (i recommend the new yorker), take a language classes, learn a new language, take a train trip, learn how to better your communication with others, or start talk therapy

7 - the chariot

start a garden or try to grow something new in your garden, learn how to bake or learn how to bake something new, start a new beauty routine, go on a boat trip / cruise, get car detailed, try a juice cleanse, upgrade glassware, declutter, invest in home, stay at a hotel or bed & breakfast, upgrade kitchenware, go on a lake trip, go tubing, invest in pearls, invest in real estate / land, try a new restaurant, get silver jewelry cleaned professionally, shop your pantry, go on a trip, or start journaling your intentions / bullet journaling

8 - strength

go to an amusement park, work on or finish a passion project, take ballroom dancing classes, learn about tea and tea leaves, learn to read tea leaves, start playing a new game or design a new game, practice vulnerability, go to the movie theater, start a flower garden, or get a pet

9 - the hermit

get a pet, organize bookshelves, try a juice cleanse, upgrade clothing or declutter closet, start an oral health routine, start journaling more consistently, learn more about emergency preparedness, invest in emergency preparedness, learn to cook something new, invest in new dining ware (new plates/bowls, cups / glassware, silverware, etc), try a food subscriptions (home chef, hello fresh, pickle of the month club, bokksu japanese snack box, etc), take care of a bonsai, take supplements, learn to knit or crochet, start an herb garden, learn to dry your own herbs, take a one way trip to anywhere, or go on a hiking trip

10 - wheel of fortune

learn about different incenses/herbs, practice or take a class in archery, plant a tree, invest in land, learn how to dry berries, start a budget, learn how to budget, start going to a gym / exercising, expand religious/spiritual/philosophical knowledge, learn how to play a new card game, learn how to spin your own wool (then you can move to weaving, crocheting, and/or knitting), learn how to make your own clothing, buy a luxury coat, take a trip to a country or place you have never been, start an oral health routine, take an etiquette class, learn about the customs of other countries/cultures, eat more fruit, get a beehive / harvest your own honey, start taking royal jelly, take a horseback riding lesson, upgrade shoes / shoe collection, support spiritual practices / keep learning about what you believe in / trust, or start practicing a positive mindset

11 - justice

go to a ballet or an art gallery, start using or invest in an air purifier, learn how to take care of house plants, buy a house plant, take a spa day, go to a spa, reset your cosmetics (please clean your brushes and sponges), wearing lingerie (sometimes it's a pick me up to know you look good for yourself), get a boudoir photoshoot done, organize your closet, declutter your closet, start a capsule wardrobe, learn how to make pastries/sweets, invest in diamonds, propose to your lover, buy a dress that makes you feel good and take yourself on a date (fancy diner and a play/opera/ballet), go to a fashion show or exhibit, buy yourself flowers, start a flower garden, invest in a luxury chair (a chaise, reading chair, gaming card - whatever your thing is, justice person), declutter your jewelry, invest in luxury jewelry, get your jewelry professional cleaned, go to a concert, read or write a poetry, buy yourself chocolate dipped strawberries, get hair extensions (i know you want to lol), do logic puzzles, or go to an escape room

12 - the hanged man

take a mixology course or find your signature drink (if you are of age), learn how to better decode angel numbers, look into / practice natural medical remedies, take a ballet class, go to a ballet, revamp your self-care routine, go on a beach vacation, try a new tea or coffee, learn more about tea or coffee, practice photography or start a photography side hustle, take a dance class, read or write a smutty/romance/fantasy book, make a fairy garden, get a tarot/astrology/mediumship reading, practice your tarot/astrology/mediumship abilities, start budgeting, try a new makeup look or practice your makeup skills, go to a concert, paint something, read or write a poetry book, take a swim class, make a poppet, or practice meditation

13 - death

start practicing or expanding homeopathic cures and remedies, learn more about meat sourcing, purchase/invest in half a cow or pig, learn how to cook and trim meats, try to be a vegetarian or a vegan for a month or longer, do a colon cleanse, read a philosophy of death book, expand your knowledge of magic, try a new period product, learn more about poisonous plants, make a frog pond, buy a scorpion/snake/snake, gift someone something unexpectedly, or declutter your space

14 - temperance

go on a hunting trip, take an archery class, read a book on religion or philosophy, start a devotional journal, read the book of your core religion or philosophy, purchase a book on dream meanings and keep a dream journal to reflect on your dreams, take a certification course or college class, take a horseback riding lesson, go on a horse drawn carriage ride, do logic puzzles, or learn how to better decode angel numbers

15 - the devil

invest in a fan or air conditioning unit, if you have the land for it - buy a cow/horse/goat, learn how to use kinetic tape, start dry brushing, invest in diamonds / diamond jewelry, propose to your significant other, invest in a luxury clock or watch, practice/learn better nail care, invest in room darkening curtains, invest in and use a happy lamp, start a lotion/cream skin routine, learn how to knit or crochet, invest in hair products (extensions, shampoo subscription, etc), start a hair routine, invest in leather fashion-ware, start a garden or try to successfully grow something new in your garden, invest in an ice maker or ice molds, or try a juice cleanse

16 - the tower

practice yoga, take an acrobatic/gymnastic class, learn about and practice homeopathic cures and remedies, take a first-aid course, learn how to bake, learn how to season and marinate your meats, get a bad haircut or shave your hair off, learn how to use a straight razor, learn knife skills, get a custom metal works done, take boxing lesson, go to a boxing match or monster truck duel, learn more about meat sourcing, purchase/invest in half a cow or pig, learn how to cook and trim meats, try to be a vegetarian or a vegan for a month or longer, take a wood shop class, start a cactus/succulent garden, buy a cactus or succulent, learn how to cook something from scratch (and be okay with failing at it multiple times), invest in pocket knife / knife set /leatherman / multitool and learn how to use it, invest in a tool kit, read or write a comic or graphic novel, take a mixology course or find your signature drink (if you are of age), listen to more rock music, invest in a vinyl, go to a rock concert, maintain a pepper plant, or build a lego kit

17 - the star

learn how to make friendship bracelets, invest in a fan or air conditioning unit, take a flight lesson, use compression stockings/socks, take an architectural tour, read or write an astrology reading, get car detailed, get a club memberships, invest in an electronic device brand, collect movies, watch a new movie, invest in a camera, film a short film or practice photography, start a photography side hustle, practice shadow work, get rid of unused subscriptions, take an acting class, read or write a book on health or mental health, or read or write a book on positivity

18 - the moon

make a piece of abstract art, take a mixology course or find your signature drink (if you are of age), pay a fish, visit an aquarium, go on a fishing trip (for the dads), watch a fishery documentary, read or write a book of conspiracy theories, learn how to read a crystal ball, buy a tarot/astrology/mediumship reading, practice your tarot/astrology/mediumship abilities, invest a camera, practice photography or start a photography side hustle, read or write poetry book, attempt hydroponics, practice bluffing, take an acting class, invest in new shoes, start using a sleeping eye mask, invest in silk pillow cases, buy yourself new quality bed sheets, start using a bonnet, invest in a typewriter, practice shadow work, buy a puppy, or purchase a book on dream meanings and keep a dream journal to reflect on your dreams

19 - the sun

read an autobiographical books, take ballroom dancing lessons, start an oral health routine, try a new card game, make your own chocolates, take an artistic/creative class, get new jewelry or an engagement ring, buy yourself flowers, start a flow garden, start a herb garden, learn how to dry your own herbs, go to a race of some sort (cars, horse, etc), invest in sporting equipment, buy and maintain an ivy plant, take a pottery class, or work on your passion project / hobbies

20 - judgment

buy an ant farm, practice astral projection, learn more about emergency preparedness, invest in emergency preparedness, practice illusions and slight of hand, buy and learn about poisonous plants, read the divine comedy, do a puzzle, buy a bubby, or wearing lingerie (sometimes it's a pick me up to know you look good for yourself)

21 - the world

start a garden or try to grow something new, take or give a guitar lesson, invest in air conditioning or fan, take an architectural tour, make your own teddy bear (literally sow one), buy a pair of quality/luxury boots, keep a calendar or planner, practice sun protect / use sunblock products, convert to wooden kitchen supplies (cutting board, spoon, etc), buy a luxury carpet, make a clay house guardian, invest in a luxury clock or watch, use compression stockings/socks, collect coins, learn how to use kinetic tape, build up your crystal collection, start a budget tracker, start a lotion for dry skin routine, learn to knit/crochet, start a hair care routine, invest in an ice machine or ice making trays, learn to make ice cream, take a pottery class, invest in real estate or land, keep a zen sand garden, or invest in a sculpture

22 - the fool

take flight lessons, take a flight to anywhere, get car detailed, get an astrology reading, practice your astrology reading abilities, learn how to ride a bike or do a bike marathon, go to the movie theater, invest in a luxury clock or watch, start a club memberships, take a train ride, take motorcycle classes, do something impulsive, filming or recording something and upload it online, learn to cross stitch / knitting / crocheting, invest in a camera, practice photography, watch a new movie / tv show, invest in a new tv, or take a class

like what you read? leave a tip and state what post it is for! please use my "suggest a post topic" button if you want to see a specific pac/pile next. if you'd like my input on how i read a specific card or what i like to ask my deck, feel free to use the ask button for that as well.

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© a-d-nox 2023 all rights reserved

[batboyblog]

Things Biden and the Democrats did, this week.

January 19-26 2024

The Energy Department announced its pausing all new liquefied natural gas export facilities. This puts a pause on export terminal in Louisiana which would have been the nation's largest to date. The Department will use the pause to study the climate impact of LNG exports. Environmentalists cheer this as a major win they have long pushed for.

The Transportation Department announced 5 billion dollars for new infrastructure projects. The big ticket item is 1 billion dollars to replace the 60 year old Blatnik Bridge between Superior, Wisconsin, and Duluth, Minnesota which has been dangerous failing since 2017. Other projects include $600 million to replace the 1-5 bridge between Vancouver, Washington, and Portland, Oregon, $427 million for the first offshore wind terminal on the West Coast, $372 million to replace the 90 year old Sagamore Bridge that connects Cape Cod to the mainland,$300 million for the Port of New Orleans, and $142 million to fix the I-376 corridor in Pittsburgh.

the White House Task Force on Reproductive Healthcare Access announced new guidance that requires insurance companies must cover contraceptive medications under the Affordable Care Act. The Biden Administration also took actions to make sure contraceptive medications would be covered under Medicare, Medicaid, CHIP, and Federal Employee Health Benefits Program. HHS has launched a program to educate all patients about their rights to emergency abortion medical care under the Emergency Medical Treatment and Labor Act. This week marks 1 year since President Biden signed a Presidential Memorandum seeking to protect medication abortion and all federal agencies have reported on progress implementing it.

A deal between Democrats and Republicans to restore the expand the Child Tax Credit cleared its first step in Congress by being voted out of the House Ways and Means Committee. The Child Tax Credit would affect 16 million kids in the first year and lift 400,000 out of poverty. The Deal also includes an expansion of the Low-Income Housing Tax Credit which will lead to 200,000 new low income rental units being built, and also tax relief to people affected by natural disasters

The Senate Foreign Relations Committee voted for a bill to allow President Biden to seize $5 billion in Russian central bank assets. Biden froze the assets at the beginning of Russia's war against Ukraine, but under this new bill could distribute these funds to Ukraine, Republican Rand Paul was the only vote against.

The Senate passed the "Train More Nurses Act" seeking to address the critical national shortage of nurses. It aims to increase pathways for LPNs to become RNs as well as a review of all nursing programs nationally to see where improvements can be made

3 more Biden Judges were confirmed, bring the total number of Judges appointed by President Biden to 171. For the first time in history the majority of federal judge nominees have not been white men. Biden has also appointed Public Defenders and civil rights attorneys breaking the model of corporate lawyers usually appointed to life time federal judgeships

[2bu]

disabled + lgbt user in need of emergency funds

Hello everyone - I am making this post on behalf of my friend, @silentiumlitwicks who is in extreme need at this time. He does not have money for anything beyond rent as his SSI benefits were cut and won't cover more than rent for a long while. He needs money for food, his phone bill, and utilities. I know it's a huge ask for such a huge amount of money, but you all have been nothing but kind to me.

Goal: $0/1000

All he has is a paidpale link, which is here

paidpale link

If you don't have PP, please reach out to me so I can give you my cashedapp and vendmoe links so I can send the funds to him, as he himself only has a pp link and can't create either of those links atm (and I will happily screenshot proof that he has been paid).

Please please please considering helping him out! It's the middle of winter and he needs food, power, and cell service so we can keep in touch with him and make sure we (his friends) can help him.

If you also live in his state, CT, and know of any resources he can use or someone he could call for extra assistance of any kind, PLEASE reach out to either me or him here on tumblr. THANK YOU!!!

Please do not tag as we don't want this post shadowbanned!

[ana-bananya]

Sudan is experiencing a severe famine due to the destruction of crops, inflation, and the blockage of aid routes by the SAF and the RSF.

The Clingendael Institute estimates that 2.5 million people in Sudan will die from malnutrition by September 2024 if action is not taken to provide urgent relief (X). That is less than 3 months away.

You can use the email template titled "Urgent Action Needed: Preventing a Famine in Sudan" created by @/londonforsudan to urge the FCDO to provide aid and intensify diplomatic efforts. It should be the first link in their link tree I've linked below.

You do not have to be from the UK to contact the FCDO!

In addition, if you have the capacity to donate, consider supporting one (or more, if you're able) of these efforts working to combat malnutrition in Sudan

Food Baskets in Sudan

For Sudan: Help us support families impacted by war (supporting the Basmat Wasal, Sameh Makki kitchen appeal, and medical supplies for Northern State hospital initiatives)

Doctors Without Borders (MSF)

Sudanese American Physicians Association

Sudanese American Medical Association

Sudanese Red Cresent

Sudan Solidarity Collective

Sudan Benefit Fundraiser

Darfur Women Action Group

Fight Hunger in Sudan: The Khartoum Kitchen appeal

Support emergency response rooms in Sudan

Save El Geneina initiative

Sudan Relief fund

Takaful

Sudan Emergency Appeal

For Sudan: Help support families in Kassab IDP camp

Save the Children Sudan Emergency Aid

[thoradvice]

HELP A DISABLED YOUNG PERSON GET A SERVICE DOG DURING DISABILITY PRIDE MONTH

If anybody can donate, the link is here

Hi, my name is Evan, I'm a 20yr old lesbian and I have Ehlers-Danlos Syndrome, a rare connective tissue disorder that is slowly taking my mobility. I am desperately seeking funds to purchase a fully-trained service dog, which run the cost of £9,000-15,000. I am student, too disabled to work and reliant on my small disability benefit, and simply cannot afford this. I have £5,000 in savings I can put towards, but I am asking for support to cover the rest.

This dog would be life-changing for me, as a mobility service animal can provide balance and stability when walking, meaning I can be more physically active and preserve my mobility. They can also help me with chores around the house, remind me of medication, and alert someone in an emergency; all of this would mean that I could finally have the independence to move out of my parents' house, something that has always been out of reach for me, due to my inability to take care of myself and household tasks, as well as fear of what may occur in an emergency

I know times are tough for everyone, but I would be forever grateful to anybody who could spare a little, or even share this <3