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#I WILL LAY IN THAT HOLE UNTIL 2050
turnipoddity · 7 months
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Bro I just realized how similar these images are to each other
(NOT MAKING FUN OF YOUR ART BTW I JUST THINK THIS IS FUNNY CAUSE IM A WEIRDO, YOUR ART IS ACTUALLY SO GOOD I LOVE IT SO MUCH)
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GOOD LORD ABOVE HAVE MERCY ON ME
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kmomof4 · 4 years
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Of Darkness, Vampires, and Soulmates Ch. 8 The Battle Ends
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Oh my goodness!!! I can’t believe we’re here!!! It’s the last chapter, y’all!!! Y’all have been screaming at me for seven weeks about how much you hate Rumplestiltskin, and I promised that he would get what was coming to him!! I hope y’all like it!!! Thank you all from the bottom of my heart for coming along on this journey with me!!! I’m in tears right now typing this thinking of all the love and comments that y’all have sent my way. Please know that I reread them often and they all mean so SOOOOO much!!!
For the last time for this fic, I’m sending heaps and mounds of love, hugs, and gratitude to @profdanglaisstuff and @hollyethecurious for everything they did to help me bring this story to life. Saira was a fount of knowledge and an endless source of encouragement that was absolutely ESSENTIAL to my perseverance when the going got REALLY tough. Hollye, as one of my very best friends, was always there to discuss plot points, brainstorm, and push, drag, and pull to get me to keep going when I wanted to quit. Thank you both, ladies! This fic wouldn’t be here without either of you!
The ladies of the CSSNS and CSMM discords were there to sprint and encourage and also helped with the title. Thank you so much, ladies!!!
And finally, to @spartanguard, my OUTSTANDING artist for this fic!!! Kaitlyn, I know I say this every week, but it’s so true, you are SOOO talented and the words I know are not adequate to express the depth of my gratitude for all the work you’ve put in to your art that just made the story that much more REAL!!! 
‘Thank you’ is so inadequate, but it’s all I’ve got for all of you that had a hand in bringing this fic to life. So THANK YOU ALL, from the bottom of my heart!!!
Chapter summary: Chapter title says it all, I think. Rumplestiltskin FINALLY gets what’s coming to him!
Rating: M (Violence and smut)
Words: 2050 of 41.5K total
Tags: Vampires, Soulmates, Reincarnation, Prophecy, Black Death, French Revolution, Magic, True Loves Kiss
Prologue | Ch1 | Ch2 | Ch3 | Ch4 | Ch5 | Ch6 | Ch7 | Ao3 chapter link | Ao3 fic link
Tag list: @hollyethecurious @winterbaby89 @snowbellewells @stahlop @resident-of-storybrooke @jennjenn615 @kingofmyheart14 @profdanglaisstuff @thisonesatellite @branlovestowrite @ultraluckycatnd @flslp87 @whimsicallyenchantedrose @let-it-raines @shireness-says​ @kymbersmith-90​ @darkcolinodonorgasm​ @bethacaciakay​ @searchingwardrobes​ @ilovemesomekillianjones​ @teamhook​ @aprilqueen84​ @qualitycoffeethings​ @superchocovian​ @artistic-writer​ @donteattheappleshook​ @doodlelolly0910​ @seriouslyhooked​ @tiganasummertree​ @lfh1226-linda​ @nikkiemms​ @xsajx​ @klynn-stormz​
Please let me know if you’d like to be added or removed.
Under the cut unless tumblr ate it.
The young woman with long red hair and her blonde headed companion pushed a stroller through the front door of the Como Park Zoo and Conservatory. Rumplestiltskin stood on the green lawn outside as a malevolent smile took over his face. He pulled a phone from his pocket, dialed and hissed when the call connected, “Your sister is in danger. Come home. Come alone. Or she dies.”
~*~*~
Emma was frantically throwing clothes into a suitcase when Killian came into their bedroom concerned alarm coloring his features.
“What’s going on, Emma?”
“He’s got her,” she choked out, turning back to her closet again. “I don’t even know who he has. He just said ‘your sister.’ I don’t even know who he has!” she exclaimed, turning again and throwing herself into his arms, her sobs breaking through. “Oh god, what if he has both of them?”
“Shhh, shhhh,” he crooned, stroking her back, “You’re not making any sense, love. Who has who?”
“Rumplestiltskin!” she cried, looking up at him, tears streaking down her face. “He CALLED me! How did he have my number? How did he get to her? I knew his voice! He said my sister was in danger, to come home, alone, or she dies. How did he find her? How did he know who she is? Who does he have?” She dissolved into tears again as he held her close.
“Well, you are not going alone, my love,” he asserted, vehemently. “That is absolutely not happening. He’s trying to draw you out, separate us so that we can’t destroy him. Blue can transport us to your home so that we can take him by surprise. He can’t really expect that I’d willingly let you face him alone.” He pulled back from her and cradled her face in his hands. “I’ll be right there with you, Swan,” he affirmed, “and we will defeat him.”
She smiled through her tears, eyes so full of hope that he wanted to promise her the world and everything in it. He drew her back into his arms, murmuring assurances into the crown of her head before letting her go to make preparations to leave.
~*~*~
Emma entered her childhood home, hoping against hope that she’d find one or both of her sisters inside. The churning fear in her gut since she received Rumplestiltskin’s  summons had only dissipated when Killian held her in his arms. But he was now outside trying to gain some intelligence about his sire’s presence inside her home. The Blue Fairy had created a magical shield to keep his presence hidden from Rumplestiltskin until he showed himself to Emma.
Their conversation before they had left home continued to plague her mind.
“We’ll save her, Emma. Don’t worry. She’ll be safe.”
“How do you know?
“He wants you, darling,” he promised her. “He wants to inflict as much pain on you, and me by extension, as possible. Which means that whatever he plans to do to harm her, he’ll want to do it in your presence.”
“Anna? Elsa?” she called, “Anyone here?” She walked further into the quietness of her home until she came into the family room. What she found sent her heartbeat into overdrive.
Anna sat on the sofa, unnaturally still, eyes wide with terror, mouth open in a silent scream. Emma took a deep breath, knowing that she had to keep her head about her if they were all going to get out of here safely. She scanned over her sister for any evidence of injury beyond being frozen. Emma’s supernatural hearing could perceive Anna’s small amount of blood loss at the hands of the monster that sat reclined in the chair opposite his captive.
A rage the likes of which she had never felt before came over her before she could blink. She saw red and flew for the demon, hands outstretched and a scream like a banshee ripping out of her open mouth. Before she could reach him, however, Killian burst through the front door situated behind the chair.
Not expecting the attack on two fronts, Rumplestiltskin was momentarily startled giving Killian all the time he needed to grab the cane that he always carried when he was masquerading as a human. The creature howled with fury as he reached out for the crutch just as Emma launched herself at him and landed on his back. She grasped him around the shoulders and hauled herself up until she wrapped her arms around his neck and her legs around his hips. Fangs exposed she drove them into his neck as screams poured out of her prey. She continued feasting as she watched Killian attack.
Killian meantime had taken the cane and broken it over his raised knee, dissolving the glamour spell that had disguised the dagger that the Blue Fairy had made over a millennium before.
Raising it in his hand, he plunged it into Rumplestiltskin’s chest, being careful to angle it so that it wouldn’t come out his back and stab Emma who was still holding on to him for dear life as he thrashed about under their dual assault. Withdrawing the deadly implement, a dark, viscous substance poured from the hole in the creature’s chest and was drawn toward the blade. Killian felt a drag, a pull stronger than he had ever known as the same substance pulled out of himself as well. He was dimly aware of Emma releasing her victim and falling to the floor as the Darkness exited his love. His own scream of pain completely drowned out the weakening screams of their adversary and the increasingly loud keening cries coming from Anna as the enchantment holding her captive weakened.
With the pain finally subsiding and his faculties returning to him, Killian became aware of several things all at once. The Darkness drawn from the three vampires hovered over the dagger. Once emptied of the foul substance, Rumplestiltskin collapsed face down to the ground in front of him. Anna rocked back and forth on the sofa holding herself tightly as she sobbed uncontrollably, and a deathly pale Emma lay lifeless on the floor behind his sire. Rumplestilskin’s blood stained her mouth and her eyes remained open and trained on the ceiling. She had not survived the uprooting of the vile stuff that made her, made them, vampires. Killian rushed to her side and gathered her in his arms.
“No, no, no, no, nooooo!” he cried. “Not again! Please! Emma,” he begged, “don’t leave me. Please,” he cried, trying to shake her awake. “I can’t live without you, Emma. Come back to me, please…” he trailed away, tear filled eyes meeting Anna’s who still sat on the sofa, in a stupor.
“You know what you have to do, Killian,” a soft voice intoned, behind him.
He turned frantic eyes upon the Blue Fairy, who stood on the threshold.
The Dark’s minion’s downfall is foretold
When True Love’s Kiss doth unfold
Between soulmates unbound by time
The blue eyed prince and his golden haired Swan
Their True Love will break the hold
And Dark magic will be no more.
The prophecy ran through his mind. True Love’s Kiss. True Love’s Kiss. True Love’s Kiss will destroy the Darkness! Killian looked down on his peaceful, so still Swan. Begging one last time, he whispered in her ear, “Come back to me, Swan.” His lips met hers in a cascade of rainbow light pulsing outward throughout the house. He pulled away to see the Darkness, the dagger, and even Rumplestiltskin himself dissolve in the presence of magic that was able to break any curse. The magic of True Love.
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He looked down into the face of his beloved just as she began to stir. She blinked and looked up at him. “Killian!”
He couldn’t hold back his joyful grin if he tried. He hugged her tightly to himself, murmuring into her neck, “My Swan, my Swan. My darling, Swan...”
She pulled back from him before pulling him back down to capture his lips with her own in a passionate kiss that made him completely forget about their audience. Until the clearing of a throat behind him penetrated his lustful haze.
They pulled apart and looked over to where the Blue Fairy was sitting and holding Anna close, comforting her. Emma cried out and scrambled away from him to get to her sister who was starting to recover from her ordeal.
“What was THAT?!” she cried, gathering Emma in her arms. “Who… What… Uh… How?” she stammered, looking back and forth between Emma, himself, and the Blue Fairy.
After taking a few more moments to sufficiently recuperate from her shock, Anna launched herself into Killian’s arms. Her sobs renewed as her emotional pendulum swung from unbridled joy at being reunited with Killian to indignation at never knowing the truth about him. And Emma, for that matter.
Pulling back from where he finally set her down after spinning her in a bone crushing hug, she slapped his shoulder.
“How could you not tell me? Did Mom know?”
Killian chuckled with a smirk. “I think that’s a tale that’s better told over dinner and a lot of alcohol, my lamb.”
~*~*~
The Blue Fairy used her magic to resolve all the complications created by Anna’s disappearance before they reunited with the others at Elsa’s boyfriend’s restaurant.
If Anna and Killian’s reunion and the conference call they had enjoyed a month ago was thrilling, there was no measuring of the excitement when Killian and Elsa met again. He picked her up and spun her around before gathering her to him in a bear hug that was years in the making. Elsa hugged him back just as tightly.
Over the course of the evening, Killian revealed everything about the curse and how it came about, the prophecy, meeting Emma so many times over the years…
“But, wait a minute,” Anna asked, “You’ve lived three other lives, Emma? Do you remember any of them?”
Emma shrugged. “Can’t say as I do.”
They reminisced about their early years in Massachusetts before moving to Minnesota and learned about how he met Ingrid. Elsa hugged Emma close when they got to the end of the tale of destroying Rumplestiltskin and the Darkness that made them vampires.
“But how do you know,” Anna asked. “How do you know you’re no longer vampires?”
Emma and Killian turned and looked at each other. “It feels different, for one,” Emma said, still looking at Killian. “The fangs and bloodlust are gone, and my heart rate is back to normal.”
Killian continued, “That’s the biggest difference, for sure. We’d obviously gotten pretty good at controlling the thirst, in order to be around anyone else without it taking over, but the hearing and sight are also back to normal. It’s been so long for me, I could barely remember.”
“Wow,” Elsa breathed. She turned then to Killian, eyes brimming with tears before gathering him in for a hug.
“This is all fascinating and hard to believe, even with the evidence before me, but thank you for saving my family,” she whispered. “All of them.”
He pulled back from her with a bashful smile and scratched behind his ear. He was a little surprised that Anna and Elsa didn’t have nearly the problems believing him that he expected. They were very much Ingrid’s daughters.
From there, Emma and Killian returned home to Massachusetts, while Anna and her family and Elsa remained in Minnesota. Emma applied to and began law school at Harvard that fall, after a hastily put together, but still altogether beautiful wedding at their estate about a month after destroying Rumplestiltskin. Killian continued in his occupation of captaining the Jolly Roger throughout the spring and summer months for pleasure cruises along the New England coastline, pirate tours, and renting out his beloved vessel for special events. Elsa won election to the mayor's office in a landslide and was sporting a 1 ½ carat diamond on her left hand that Christmas. Anna and Kristoff continued living in domestic bliss raising their little boy, before finding out they were expecting again right after Thanksgiving. The future before all of them was bright and they walked into that future hand in hand with the ones they loved beside them.
And they all lived Happily Ever After.
The End
~*~*~
Thank you all so much for coming on this journey with me!! It means more than I can possibly say!!! I hope you enjoyed the ride!!!
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6 Finance Trends Impacting Millennials & How You Can Use Them To Save $ Betches
New Post has been published on https://financeguideto.com/must-see/6-finance-trends-impacting-millennials-how-you-can-use-them-to-save-betches/
6 Finance Trends Impacting Millennials & How You Can Use Them To Save $ Betches
Adulting is hard af. You don’t have someone to make your lunch for you every day or clean up the house. You need to take out the trash yourself, and don’t get me started on paying the bills. In 2019, the state of our personal finances has drastically changed from when our parents were young. Sometimes for the worst, but sometimes for the better. Alexa von Tobel, the founder of Inspired Capital and New York Times bestselling author, sums up the six biggest financial trends in her new book, Financially Forward: How To Use Today’s Digital Tools To Earn More, Save Better, and Spend Smarter, out now. She lays out where we’re losing money (oy vey) and how we can save more (thank the lord). Her book is a much-needed reality check, and can teach you how to not be broke by the time you reach 50. (And it isn’t just about cutting back on the drinking. I hope.) Here are the top six finance trends and advice outlined in von Tobel’s book, and how you can use those trends to your advantage.
Trend #1: We’re Living Longer
It’s no shocker that we are living longer than 50 years ago. Science (and my killer wrinkle-reducing night cream) tends to do that. While only 12% of the population was over 65 in 2000, it is estimated that 20% of Americans will be 65 or older by 2050. She says, “the majority of us underestimate the average life expectancy. This may sound like no big deal, but underestimating how long you might live can also mean underestimating how much money you’ll need to live comfortably after you retire.” So while you may think investing in those designer shoes is fine now, think about when you’re 75 and homeless. At least you’ll have cute shoes, right?
Living longer also means that we’re retiring later. The average life expectancy for an American woman is 81.1. So while some people retire at 65, a study by Northwestern Mutual found that 38% of people wait until they are in their 70s. Additionally, von Tobel says that “the idea of a completely work-free retirement is a bit of a myth for today’s retirees.” Just think of those cute old people working as greeters at Walmart.
Advice: Build your financial plan with the assumption that you will live well past 65. Alexa recommends assuming you’ll live to 95. But if your family members have lived to be over 100, assume you will too and plan accordingly. Also, consider the idea of working part-time once you retire.
Trend #2: Family Structures Are V Different
Our families are no longer the 1950s sitcom version of the average American family: husband and wife. picket fence, 2.5 kids (WTF is 2.5 kids?). But how are our families changing? For starters, we are getting married later. In the 90s, women and men would get married, on average, at 24 and 26, respectively. Although my great aunt never fails to remind me that she had already had four kids at my age, Americans are now waiting until their late 20s to get married. Similarly, “DINK” Status is very much a thing (dual-income, no kids) since people are shacking up before getting hitched. According to the Bureau of Labor Statistics, “combining your finances with a second earner leads to more money in the bank.” Well, no duh. The thing is, not only do you have more money in the bank, but you tend to save money as well (just under $7,000 a year). Anyone down to move in with me and we can split the savings?
But on the costlier side of our changing family structures, there is the cost of raising children. In 2015, the cost of raising a child from birth to 17 (not including college), was about $233,000. That doesn’t even factor in if you need costly treatments to help you get pregnant. For IVF, costs have sky-rocketed from 10 years ago, increasing by $3,600 for one round of treatment, according to Jake Anderson-Bialis, co-founder of FertilityIQ. That means a single round of treatment usually costs more than $10,000. However, most people do two or three treatments, which drastically increases the price. Finally, there is the concept of the “Sandwich Generation,” aka you might end up living with or financing your kids and your parents at the same time. Joy.
Advice: Speak openly with your family about costs. Before your parents are too far down the rabbit hole (sorry), discuss what savings they have for long-term care. Make sure to keep all these different family-related costs in mind when you’re figuring out savings. The best rule of thumb is always to plan ahead.
Trend #3: Our Earning Potential Is Flexible
Have you ever gotten an urgent message from your boss late at night to do something before the next morning? Or gotten a call to come into work early? Hate to break it to you, but this is the new normal. The majority of jobs are no longer a basic 9-5. And for many people, holding one job just doesn’t cut it anymore. 40% of independent workers have a side hustle to make some extra cash for savings or for a big purchase, like a house. Others (16%) do it out of necessity. Then there are the “free agents” like freelancers or Uber drivers. 30% are in this field because they like the flexibility, while others want a full-time job but are using this as their primary income at the moment.
Advice: Use side hustles to your advantage. Figure out what you want and use the flexibility of part-time work to reach your goals easier and quicker.
Trend #4: Our Career Paths Are Fluid, And Sabbaticals Are In
What’s great about our generation is that we are indecisive have the flexibility to change career paths if we are unhappy or want different opportunities. On average, those who graduated college from 2006 to 2010 have held twice as many jobs as people who graduated between 1986 and 1990 did in the same amount of time. But people aren’t just changing companies, they are also changing entire career paths. According to von Tobel, there is “no such thing as it being ‘too late’ to pursue an entirely new path.”
Like those adorable matching sets every girl on Instagram wears during the summer, sabbaticals are in. Think of it as an “adult gap year”. It’s all about increasing your learning, and whatever other BS your university guidance counselor told you about your year abroad. But while taking an extended vacation may seem like the best thing ever a load of crap, employers are getting on board. Hear me out. Over a three-year period, those who took more than 10 vacation days were 31% more likely to get a bonus or raise compared to those who took fewer than 10 days off.
Advice: If you’re deciding on whether to take a job, check out the company’s policy with regards to taking time off work. You should also plan ahead with your finances if you’re able to. If you can, allow yourself the funds to take that time off work.
Trend #5: Everything Is On-Demand
Our lives today are all about instant gratification. I’m not going to lie that I don’t get annoyed when my Uber takes longer than 5 minutes to arrive or my Amazon Prime package doesn’t come the next day. Patience is non-existence. While 22% of people shopped online in 2000, 80% shop online today. Crazy. Since nothing is off-limits, there is tons of competition, which keeps the prices (fairly) low. The best part of having everything accessible to us? Saving money. As someone who loves a good deal, being able to compare prices of the same product at different stores is the best feeling. Like, sex is cool, but saving $50 is better.
Advice: von Tobel says that while this is great, impulse shopping is dangerous. So beware.
Trend #6: Forget Ownership. Sharing is Caring
If I told my mom that I was staying in a stranger’s house when I traveled Europe last year, or regularly get into randos’ cars, she would have a heart attack. But today, Airbnb and Uber are the new normal. These services allow us to save money by sharing stuff and make money by letting others borrow it. And who needs a car in a busy city when you basically have your own chauffeur? These services allow us to cut down on what we have (Marie Kondo is so in and von Tobel approved) and save $$$. You also can stream movies and show online, instead of buying DVDs (or VHSs … yikes) and even borrow clothes instead of buying a dress you’ll wear once.
Advice: Keep on sharing!
For more of Alexa’s financial advice, pick up a copy of Financially Forward: How To Use Today’s Digital Tools To Earn More, Save Better, and Spend Smarter, out now.
Images; Giphy (5)
Read more: https://www.betches.com
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financingideas-blog · 5 years
Text
6 Finance Trends Impacting Millennials & How You Can Use Them To Save $ Betches
New Post has been published on https://financeqia.com/must-see/6-finance-trends-impacting-millennials-how-you-can-use-them-to-save-betches/
6 Finance Trends Impacting Millennials & How You Can Use Them To Save $ Betches
Adulting is hard af. You don’t have someone to make your lunch for you every day or clean up the house. You need to take out the trash yourself, and don’t get me started on paying the bills. In 2019, the state of our personal finances has drastically changed from when our parents were young. Sometimes for the worst, but sometimes for the better. Alexa von Tobel, the founder of Inspired Capital and New York Times bestselling author, sums up the six biggest financial trends in her new book, Financially Forward: How To Use Today’s Digital Tools To Earn More, Save Better, and Spend Smarter, out now. She lays out where we’re losing money (oy vey) and how we can save more (thank the lord). Her book is a much-needed reality check, and can teach you how to not be broke by the time you reach 50. (And it isn’t just about cutting back on the drinking. I hope.) Here are the top six finance trends and advice outlined in von Tobel’s book, and how you can use those trends to your advantage.
Trend #1: We’re Living Longer
It’s no shocker that we are living longer than 50 years ago. Science (and my killer wrinkle-reducing night cream) tends to do that. While only 12% of the population was over 65 in 2000, it is estimated that 20% of Americans will be 65 or older by 2050. She says, “the majority of us underestimate the average life expectancy. This may sound like no big deal, but underestimating how long you might live can also mean underestimating how much money you’ll need to live comfortably after you retire.” So while you may think investing in those designer shoes is fine now, think about when you’re 75 and homeless. At least you’ll have cute shoes, right?
Living longer also means that we’re retiring later. The average life expectancy for an American woman is 81.1. So while some people retire at 65, a study by Northwestern Mutual found that 38% of people wait until they are in their 70s. Additionally, von Tobel says that “the idea of a completely work-free retirement is a bit of a myth for today’s retirees.” Just think of those cute old people working as greeters at Walmart.
Advice: Build your financial plan with the assumption that you will live well past 65. Alexa recommends assuming you’ll live to 95. But if your family members have lived to be over 100, assume you will too and plan accordingly. Also, consider the idea of working part-time once you retire.
Trend #2: Family Structures Are V Different
Our families are no longer the 1950s sitcom version of the average American family: husband and wife. picket fence, 2.5 kids (WTF is 2.5 kids?). But how are our families changing? For starters, we are getting married later. In the 90s, women and men would get married, on average, at 24 and 26, respectively. Although my great aunt never fails to remind me that she had already had four kids at my age, Americans are now waiting until their late 20s to get married. Similarly, “DINK” Status is very much a thing (dual-income, no kids) since people are shacking up before getting hitched. According to the Bureau of Labor Statistics, “combining your finances with a second earner leads to more money in the bank.” Well, no duh. The thing is, not only do you have more money in the bank, but you tend to save money as well (just under $7,000 a year). Anyone down to move in with me and we can split the savings?
But on the costlier side of our changing family structures, there is the cost of raising children. In 2015, the cost of raising a child from birth to 17 (not including college), was about $233,000. That doesn’t even factor in if you need costly treatments to help you get pregnant. For IVF, costs have sky-rocketed from 10 years ago, increasing by $3,600 for one round of treatment, according to Jake Anderson-Bialis, co-founder of FertilityIQ. That means a single round of treatment usually costs more than $10,000. However, most people do two or three treatments, which drastically increases the price. Finally, there is the concept of the “Sandwich Generation,” aka you might end up living with or financing your kids and your parents at the same time. Joy.
Advice: Speak openly with your family about costs. Before your parents are too far down the rabbit hole (sorry), discuss what savings they have for long-term care. Make sure to keep all these different family-related costs in mind when you’re figuring out savings. The best rule of thumb is always to plan ahead.
Trend #3: Our Earning Potential Is Flexible
Have you ever gotten an urgent message from your boss late at night to do something before the next morning? Or gotten a call to come into work early? Hate to break it to you, but this is the new normal. The majority of jobs are no longer a basic 9-5. And for many people, holding one job just doesn’t cut it anymore. 40% of independent workers have a side hustle to make some extra cash for savings or for a big purchase, like a house. Others (16%) do it out of necessity. Then there are the “free agents” like freelancers or Uber drivers. 30% are in this field because they like the flexibility, while others want a full-time job but are using this as their primary income at the moment.
Advice: Use side hustles to your advantage. Figure out what you want and use the flexibility of part-time work to reach your goals easier and quicker.
Trend #4: Our Career Paths Are Fluid, And Sabbaticals Are In
What’s great about our generation is that we are indecisive have the flexibility to change career paths if we are unhappy or want different opportunities. On average, those who graduated college from 2006 to 2010 have held twice as many jobs as people who graduated between 1986 and 1990 did in the same amount of time. But people aren’t just changing companies, they are also changing entire career paths. According to von Tobel, there is “no such thing as it being ‘too late’ to pursue an entirely new path.”
Like those adorable matching sets every girl on Instagram wears during the summer, sabbaticals are in. Think of it as an “adult gap year”. It’s all about increasing your learning, and whatever other BS your university guidance counselor told you about your year abroad. But while taking an extended vacation may seem like the best thing ever a load of crap, employers are getting on board. Hear me out. Over a three-year period, those who took more than 10 vacation days were 31% more likely to get a bonus or raise compared to those who took fewer than 10 days off.
Advice: If you’re deciding on whether to take a job, check out the company’s policy with regards to taking time off work. You should also plan ahead with your finances if you’re able to. If you can, allow yourself the funds to take that time off work.
Trend #5: Everything Is On-Demand
Our lives today are all about instant gratification. I’m not going to lie that I don’t get annoyed when my Uber takes longer than 5 minutes to arrive or my Amazon Prime package doesn’t come the next day. Patience is non-existence. While 22% of people shopped online in 2000, 80% shop online today. Crazy. Since nothing is off-limits, there is tons of competition, which keeps the prices (fairly) low. The best part of having everything accessible to us? Saving money. As someone who loves a good deal, being able to compare prices of the same product at different stores is the best feeling. Like, sex is cool, but saving $50 is better.
Advice: von Tobel says that while this is great, impulse shopping is dangerous. So beware.
Trend #6: Forget Ownership. Sharing is Caring
If I told my mom that I was staying in a stranger’s house when I traveled Europe last year, or regularly get into randos’ cars, she would have a heart attack. But today, Airbnb and Uber are the new normal. These services allow us to save money by sharing stuff and make money by letting others borrow it. And who needs a car in a busy city when you basically have your own chauffeur? These services allow us to cut down on what we have (Marie Kondo is so in and von Tobel approved) and save $$$. You also can stream movies and show online, instead of buying DVDs (or VHSs … yikes) and even borrow clothes instead of buying a dress you’ll wear once.
Advice: Keep on sharing!
For more of Alexa’s financial advice, pick up a copy of Financially Forward: How To Use Today’s Digital Tools To Earn More, Save Better, and Spend Smarter, out now.
Images; Giphy (5)
Read more: https://www.betches.com
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photomaniacs · 7 years
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Finalist Shots of Wildlife Photographer of the Year 2017 http://ift.tt/2xjowV2
The prestigious Wildlife Photographer of the Year competition is now in its 53rd year, and this year’s edition certain won’t disappoint. Today the competition offered a glimpse into this year’s finalists, which will be displayed in an exhibition that will tour museums and galleries around the world.
This year’s competition saw almost 50,000 entries from 92 different countries, with photographers all competing for the top prize of over $6,500. Here are the finalists along with their details and captions:
Animal Portraits
Sergey Gorshkov / Wildlife Photographer of the Year
Carrying its trophy from a raid on a snow goose nest, an Arctic fox heads for a suitable burial spot. This is June and bonanza time for the foxes of Wrangel Island in the Russian Far East. Lemmings are the basic diet for Arctic foxes, but Wrangel suffers long, harsh winters and is icebound for much of the year, making it a permanent source of stored food for these opportunist animals. The food convoys arrive at the end of May. Over just a few days, vast flocks of snow geese descend on the tundra of this remote UNESCO World Heritage Site, traveling from wintering grounds some 4,800 kilometers (3,000 miles) away in British Columbia and California. Not only is this the biggest breeding colony of snow geese in the world, and the only remaining one in Asia, but it is also growing: from 160,000 geese in 2011 to about 300,000 by 2016. The Arctic foxes catch any weak or sick birds, but what they feast on are the goose eggs, laid in early June in open nests on the tundra. Though the pairs of snow geese actively defend their nests, a fox may still manage to steal up to 40 eggs a day, harassing the geese until there’s a chance to nip in and grab an egg. Most of the eggs are then cached, buried in shallow holes in the tundra, where the soil stays as cold as a refrigerator. These eggs will remain edible long after the brief Arctic summer is over and the geese have migrated south again. And when the new generation of young foxes begins to explore, they too will benefit from the hidden treasures.
Nikon D300S + 600mm f4 lens; 1/1250 sec at f5; ISO 800; Gitzo tripod + Wimberley head.
Animal Portraits
David Lloyd / Wildlife Photographer of the Year
At dusk, in Kenya’s Maasai Mara National Reserve, David waited for the herd of elephants on their evening trek to a waterhole. As they got closer to his vehicle, he could see that the mellow light from the fast-setting sun was emphasizing every wrinkle and hair. For a photographer who enjoys working with texture, this was a gift. When they were just a few meters away, he could see the different qualities of different parts of their bodies – the deep ridges of their trunks, the mud-caked ears and the patina of dried dirt on their tusks.
The elephants ambled by in near silence, peaceful and relaxed. The female leading the dozen-strong herd – probably the matriarch – looked straight at him, her eye a glowing amber dot in the heavy folds of skin. Her gaze was, he says, full of respect and intelligence – the essence of sentience.
Nikon D800E + 400mm f2.8 lens; 1/500 sec at f13 (–0.3 e/v); ISO 1000.
Behavior – Invertebrates
Andrey Narchuk / Wildlife Photographer of the Year
Andrey was on an expedition to the Sea of Okhotsk in the Russian Far East, and his intention on this day was to photograph salmon. But as soon as he jumped into the water, he found himself surrounded by thousands of mating sea angels. Quickly swapping to his macro equipment, he began photographing the pairs, 3 centimeters (11⁄4 inches) long and swirling around in the current. Sea angels are mollusks related to slugs and snails, without shells and with wing-like lobes used as swimming paddles. They hunt sea butterflies – swimming sea snails – using specialized feeding parts to prise them from their shells. Each individual is both male and female, and here they are getting ready to insert their copulatory organs into each other to transfer sperm in synchrony. One is slightly smaller than the other, as was the case with most of the couples Andrey observed, and they remained joined for 20 minutes. Both would go on to lay 30–40 tiny eggs after fertilization. It was late summer and peak phytoplankton time, so there would be abundant food for the resulting larvae.
To photograph them mating, Andrey had to battle against strong currents and avoid a wall of gill netting, and when he was swept into the net and his equipment became snared, he was forced to make an emergency ascent – but not before he had got his shot. The following day, there wasn’t a single angel to be seen.
Canon EOS 5D Mark II + 100mm f2.8 lens; 1/125 sec at f13; ISO 200; Nexus housing; two Inon strobes.
Under Water
Qing Lin / Wildlife Photographer of the Year
The bulbous tips of the aptly named magnificent anemone’s tentacles contain cells that sting most fish. But the clown anemonefish goes unharmed thanks to mucus secreted over its skin, which tricks the anemone into thinking it is brushing against itself. Both species benefit. The anemonefish gains protection from its predators, which daren’t risk being stung, and it also feeds on parasites and debris among the tentacles; at the same time, it improves water circulation (fanning its fins as it swims), scares away the anemone’s predators and may even lure in prey for it.
While diving in the Lembeh Strait in North Sulawesi, Indonesia, Qing noticed something strange about this particular cohabiting group. Each anemonefish had an extra pair of eyes inside its mouth – those of a parasitic isopod (a crustacean related to woodlice). An isopod enters a fish as a larva, via its gills, moves to the fish’s mouth and attaches with its legs to the base of the tongue. As the parasite sucks its host’s blood, the tongue withers, leaving the isopod attached in its place, where it may remain for several years. With great patience and a little luck – the fish darted around unpredictably – Qing captured these three rather curious individuals momentarily lined up, eyes front, mouths open and parasites peeping out.
Canon EOS 5D Mark III + 100mm f2.8 lens; 1/200 sec at f25; ISO 320; Sea & Sea housing; two Inon strobes.
Wildlife Photojournalist Award – Single Image
Justin Hofman / Wildlife Photographer of the Year
Seahorses hitch rides on the currents by grabbing floating objects such as seaweed with their delicate prehensile tails. Justin watched with delight as this tiny estuary seahorse ‘almost hopped’ from one bit of bouncing natural debris to the next, bobbing around near the surface on a reef near Sumbawa Island, Indonesia. But as the tide started to come in, the mood changed. The water contained more and more decidedly unnatural objects – mainly bits of plastic – and a film of sewage sludge covered the surface, all sluicing towards the shore.
The seahorse let go of a piece of seagrass and seized a long, wispy piece of clear plastic. As a brisk wind at the surface picked up, making conditions bumpier, the seahorse took advantage of something that offered a more stable raft: a waterlogged plastic cottonbud. Not having a macro lens for the shot ended up being fortuitous, both because of the strengthening current and because it meant that Justin decided to frame the whole scene, sewage bits and all. As Justin, the seahorse and the cottonbud spun through the ocean together, waves splashed into Justin’s snorkel. The next day, he fell ill. Indonesia has the world’s highest levels of marine biodiversity but is second only to China as a contributor to marine plastic debris – debris forecast to outweigh fish in the ocean by 2050. On the other hand, Indonesia has pledged to reduce by 70 per cent the amount of waste it discharges into the ocean.
Sony Alpha 7R II + 16–35mm f4 lens; 1/60 sec at f16; ISO 320; Nauticam housing + Zen 230mm Nauticam N120 Superdome; two Sea & Sea strobes with electronic sync.
Animal Portraits
Klaus Nigge / Wildlife Photographer of the Year
After several days of constant rain, the bald eagle was soaked to the skin. Named after its conspicuous but fully-feathered white head (bald derives from an old word for white), it is an opportunist, eating various prey – captured, scavenged or stolen – with a preference for fish. At Dutch Harbor on Amaknak Island in Alaska, USA, bald eagles gather to take advantage of the fishing industry’s leftovers. Used to people, the birds are bold. ‘I lay on my belly on the beach surrounded by eagles,’ says Klaus. ‘I got to know individuals, and they got to trust me.’
The species was declining dramatically until the 1960s, but reduced persecution, habitat protection, and a ban on the pesticide DDT have led to its recovery. Some threats persist, including lead poisoning – US prohibition on lead ammunition (which ends up in animals the birds eat) has recently been overturned. ‘As the eagle edged nearer, picking up scraps, I lowered my head,’ says Klaus, ‘looking through the camera to avoid direct eye contact.’ It came so close that it towered over him. His low perspective and simple composition, allowing full concentration on the eagle’s expression, created an intimate portrait, enhanced by the overcast light of the rainy day.
Nikon D200 + 200–400mm f4 lens + 1.4x extender; 1/80 sec at f10; ISO 500.
Behavior – Birds
Tyohar Kastiel / Wildlife Photographer of the Year
Tyohar watched the pair of resplendent quetzals from dawn to dusk for more than a week as they delivered fruits and the occasional insect or lizard to their two chicks. Resplendent quetzals usually nest in thicker forest, but this pair had picked a tree in a partly logged area in the Costa Rican cloud forest of San Gerardo de Dota. The additional light made it easier for Tyohar to catch the iridescent color of the male’s dazzling emerald and crimson body plumage and tail streamers, despite his fast, erratic flight pattern. But the light also made it easier for the birds to see Tyohar. So he would arrive before dawn, sit in the same place and wear the same jacket, with the result that the pair accepted his presence and continued to stuff food into their chicks’ beaks every hour or so.
On the eighth day, the parents fed the chicks at dawn as usual but then didn’t return for several hours. By 10 am, the chicks were calling ravenously, and Tyohar began to worry. Then something wonderful happened. The male arrived with a wild avocado in his beak. He landed on a nearby branch, scanned around, and then flew to the nest. But instead of feeding the chicks, he flew back to his branch, the avocado still in his beak. Within seconds, one chick hopped out to the nearest perch and was rewarded. Moments later the female appeared and did exactly the same thing, and the second chick jumped out. The family then flew off together into the rainforest, leaving Tyohar bereft – and thrilled.
Canon EOS 5D Mark III + 300mm f2.8 lens; 13200 sec at f4; ISO 800.
Behavior – Mammals
Laurent Ballesta / Wildlife Photographer of the Year
“We were still a few meters from the surface when I heard the strange noises,” says Laurent. Suspecting Weddell seals – known for their repertoire of at least 34 different underwater call types – he approached slowly. It was early spring in east Antarctica, and a mother was introducing her pup to the icy water.
The world’s most southerly breeding mammal, a Weddell seal gives birth on the ice and takes her pup swimming after a week or two. The pair, unbothered by Laurent’s presence, slid effortlessly between the sheets of the frozen labyrinth. Adults are accomplished divers, reaching depths of more than 600 meters (1,970 feet) and submerging for up to 82 minutes. “They looked so at ease, where I felt so inappropriate,” says Laurent. Relying on light through the ice above, he captured the curious gaze of the pup, the arc of its body mirroring that of its watchful mother.
Nikon D4S + 17–35mm f2.8 lens; 1/640 sec at f11; ISO 200; Seacam housing.
Black and White
Mats Andersson / Wildlife Photographer of the Year
The red squirrel closed its eyes for just a moment, paws together, fur fluffed, then resumed its search for food. Winter is a tough time for northern animals. Some hibernate to escape its rigors, but not red squirrels. Mats walks every day in the forest near his home in southern Sweden, often stopping to watch the squirrels foraging in the spruce trees. Though their mainly vegetarian diet is varied, their winter survival is linked to a good crop of spruce cones, and they favor woodland with conifers. They also store food to help see them through lean times. On this cold, February morning, the squirrel’s demeanor encapsulated the spirit of winter, captured by Mats using the soft-light grain of black and white.
Nikon D3 + 300mm f2.8 lens; 1/320 sec at f2.8; ISO 800.
Plants and Fungi
Jack Dykin / Wildlife Photographer of the Year
A band of ancient giants commands the expansive arid landscape of Arizona’s Sonoran Desert National Monument in the US. These emblematic saguaro cacti – up to 200 years old – may tower at more than 12 meters (40 feet) but are very slow growing, some sprouting upwardly curved branches as they mature. The roots – aside from one deep tap – weave a maze just below the surface, radiating as far as the plant is tall, to absorb precious rainfall. Most water is stored in sponge-like tissue, defended by hard external spines and a waxy-coated skin to reduce water loss. The surface pleats expand like accordions as the cactus swells, its burgeoning weight supported by woody ribs running along the folds. But the saturated limbs are vulnerable to hard frost – their flesh may freeze and crack, while the mighty arms twist down under their loads. A lifetime of searching out victims near his desert home led Jack to know several that promised interesting compositions. ‘This one allowed me to get right inside its limbs,’ he says. As the gentle dawn light bathed the saguaro’s contorted form, Jack’s wide angle revealed its furrowed arms, perfectly framing its neighbors before the distant Sand Tank Mountains.
Nikon D810 + 14–24mm f2.8 lens at 14mm; 1/3 sec at f20; ISO 64; Really Right Stuff tripod.
Young Wildlife Photographer of the Year, 11-14
Ashleigh Scully / Wildlife Photographer of the Year
After fishing for clams at low tide, this mother brown bear was leading her young spring cubs back across the beach to the nearby meadow. But one young cub just wanted to stay and play. It was the moment Ashleigh had been waiting for. She had come to Alaska’s Lake Clark National Park intent on photographing the family life of brown bears. This rich estuary environment provides a buffet for bears: grasses in the meadows, salmon in the river and clams on the shore. A large number of families spend their summers here, and with plentiful food, they are tolerant of each other (though wary of males) and of people. ‘I fell in love with brown bears,’ says Ashleigh, ‘and their personalities… This young cub seemed to think that it was big enough to wrestle mum to the sand. As always, she played along, firm, but patient.’ The result is a cameo of brown bear family life.
Canon EOS 5D + 500mm f4 Mark II lens; 1/1250 sec at f8 (+1 e/v); ISO 1250; Gitzo tripod.
Young Wildlife Photographer of the Year, 11-14
Laura Albiac Vilas / Wildlife Photographer of the Year
Laura had seen many of Spain’s wild animals, but never the elusive Iberian lynx, an endangered cat found only in two small populations in southern Spain. Unlike the larger European lynx, the Iberian lynx feeds almost entirely on rabbits. So a disease that wipes out the rabbit population can be catastrophic. They also need a particular blend of open scrub and natural cavities for natal dens. Laura’s family traveled to the Sierra de Andújar Natural Park in search of the lynx – and struck lucky on their second day – a pair were relaxing not far from the road. There were many photographers there but an atmosphere of ‘respect’. Laura watched for an hour and a half, the only sound being the whirr of cameras if a cat glanced in their direction. ‘The animals’ attitude surprised me. They weren’t scared of people – they simply ignored us,’ says Laura. ‘I felt so emotional to be so close to them.’
Canon EOS 5D Mark III + Canon 500mm f4 lens; 1/250 sec at f4; ISO 1600.
Wildlife Photojournalist Award – Single Image
Steve Winter / Wildlife Photographer of the Year
A back leg of this six-month-old Sumatran tiger cub was so badly mangled by a snare that it had to be amputated. He was lucky to survive at all, having been trapped for four days before being discovered in a rainforest in Aceh Province on the Indonesian island of Sumatra. The likelihood is that the snare was set by oil‐palm plantation workers to catch bushmeat (though tigers are also deliberately snared). The workers are migrants who have been given small plots to grow their own oil palms but who have to work on the big plantations for about five years until their own crops generate a return. To feed their families, they have to hunt, and this cub’s bones would have fetched a good price on the black market. The population of Sumatran tigers, a subspecies, is as low as 400–500 (the world population of all wild tigers is no more than 3,200) – the result of poaching to fuel the illegal trade in tiger parts for the Chinese-medicine market. Anti-poaching forest patrols are helping to stem the killing, partly by locating and removing snares (now illegal), which is how this cub came to be rescued. The cub, however, will spend the rest of his life in a cage in a Javan zoo. Today, there are probably more Sumatran tigers in zoos than there are left in the wild.
Canon 5D Mark II + 24–105mm lens at 58mm; 1/45 sec at f5.6; ISO 400.
The overall winner, category winners, and other finalists will be announced on October 17th this year.
The exhibition will be on display from October 20th, 2017, until spring 2018 at the Natural History Museum in London, UK. Wildlife Photographer of the Year is developed and produced by the Natural History Museum, London.
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September 13, 2017 at 12:01AM
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