#i need to do some more studies here soon i feel like i havent drawn anything im super proud off in a lil while

[civetcider]

me and my funnie OCs yippee wahoo

[biolumien]

hello!! I loved your rooftop smoke fic so much oh my goodness could I ask for literally anything hoshina I would love to read more of your works... It would make my day if hoshina fell first/if he was the one hopelessly in love but anything that is easier to write for you I would love to read

ALSO PLS FEEL FREE TO IGNORE THIS IF ITS NOT EXACTLY IT FOR U!!! TYSM IN ADVANCE

notes: bwahhhh omg… thank you for liking my first work…  i havent written hoshina before… but uh. i hope this is good. same reader-insert from last time for this one too!

hoshina falls first (or tries not to, because to love is to be known)

soshiro hoshina x gn!reader i turned it into kind of a character study, forgive me word count: 1103

let’s get this right off the bat, to clear any misconceptions. hoshina’s not a romantic. he doesn’t fall for anyone first. he’s built up the demeanor of a sly, wily little fox not because he wanted to, but because he had to. tread lightly around others, and they will never know what lies in your heart, the insecurities that bubble and eat at you alive. never let them know how you feel, because as soon as your inherent, weak-willed intent is shown, you’ll be devoured alive.

well.

that’s what hoshina tells himself, anyway. 

it’s what he has to remind himself of constantly when he sees you.

you’re not allowed, he reminds himself, to get under his skin. not in any mean way, not in the way where you play up his insecurities–except you do, don’t you? you don’t mean to, but he gets the impression that if he were conventionally stronger, more impressive, that he’d deserve your attention, the small smile that crosses your lips and lights up your eyes when you see him, the faint exhale of breath when you see him–he’d deserve that if he were better. if he were just simply better, he’d deserve it. he’d feel worthy of it.

hoshina’s not a romantic.

he signed up for a line of very dangerous, practically suicidal work knowing it might mean the death of him.

all to prove that he was worth something.

he’s not the ashes you throw away, he’s a brilliant ball of fire, can’t you see–but he needed to prove that he could shine alone, under his own merit. he didn’t need anyone, except he needed mina to get him into the third division anyway. 

he didn’t need you, except he kept making excuses to get close to you, and not even in any particular suave way. hoshina practically pines for your affections and attention, but the key thing about it is that he refuses, in a way that’s either very cute or insanely frustrating, to make it seem like he’s making the first move. fleeting kisses he shared with you, he never properly initiated himself–he’d stand there, make a big show of leaving, and you’d pulled him by the collar to kiss him. 

but at the very least you seem to be accommodating about it, in any case. you sometimes end up preparing him a cup of tea when you go on break, as if instinctually expecting him.

hoshina wonders if he’s pavlov’s dog in this case–drawn by you, trained to behave around you.

he doesn’t know how he feels about it.

“you keep coming here,” you say to him one day in the lab. at your desk is a wide variety of papers–notes on chemical formulas for bullets, the blueprints for one of mina’s new absurdly-large guns shoved haphazardly under a stack of notebooks, a coffee cup clasped between your hands, and you blow some of the fresh steam off. “i’m starting to think the captain’s going to find you slacking off.”

there’s a sardonic smile on your lips, but hoshina’s gotten better at reading you. you’re happy to see him–he can see it in the tiny way you fidget a little bit when he takes the spare coffee mug from your desk, finding it full of coffee already. does he feel his face softening, his drawn-up shoulders relaxing? no, surely not. he’s better than that. he won’t be influenced by you–and yet. and yet. 

“you have a lock on your door if you don’t want to be disturbed,” hoshina says simply, taking a sip of the coffee. black with a single spoonful of sugar in it, because as much as it was impressive to drink your coffee purely black, hoshina quite frankly couldn’t take it. and he’d built as much a complex around that, too, as if a simple coffee preference might define how worthy he is of love. respect. the works. he watches you, sees dark under-eyes from days of restless work and the writer’s bump on your middle finger, and feels his heart squeeze.

god, he hates it. does he? does he hate it? is he insecure about that? does he hate that he doesn’t hate it? does he hate that by pining for you, by forcing his way into your life, that he’s created the rumblings of his own downfall? no. the worst part of it all is that he can’t hate you. can’t hate the way you watch him, and he wonders if you’re watching him the same way he observes you–like a prey animal, almost, twitchy and nervous, in an attempt to grasp at feeble understanding. 

“if you keep coming back here, i’m going to assume you’re in love with me,” you say.

and you have no idea what those words do to him, really. you don’t know, because hoshina has learned to obscure most of his emotions, at the very least. 

so why does his face feel so hot?

“hm.”

he can’t even come up with a proper retort. you’re staring at him expectantly, as if waiting for the classic hoshina quip–a cackle or giggle, a casual slap on the table with a you wish! attached to it. but it doesn’t come. hoshina stands there, gagged for a moment–and suddenly his grip on his coffee cup feels a little weak.

“hoshina.”

he wishes the smile on your lips didn’t trigger some gut instinct of delight in him.

he’s better than this, damn it. he’s better than this.

your smile quirks up the corners of your cheeks, and there’s something like a shy flush across your skin. and–

“i wish i could take a picture of your face right now,” you say. “you look like you’re coming down with something.”

hoshina scoffs, the sound a little more high-pitched than he’d like for it to be.

“you wish,” he says. 

“so are you?” you press. “in love with me?”

hoshina stares at you–there’s a sudden tightness in your shoulders that wasn’t there before–you’re worried about his answer. and despite it all–his bravado, his hatred of the mere idea that he might rely on someone else–that he would ever need someone to know his heart, that he might be cowed and tamed like a dog–

he loves you.

he doesn’t want you to be worried about the surety of his answer.

“yeah,” he says. “i love you.” and when that sudden tightness in your body language disappears, he finally finds the strength to quip, “just don’t faint over me, alright?” 

and when you reach out to hit his shoulder, he grasps you by the wrist and pulls you in to kiss you.

[badwolfwrites-sometimes]

Drawn Together: Chapter 15

This one is a bit shorter than normal... sorry :(

https://archiveofourown.org/works/18923374/chapters/56725165

♡~Feli~♡: So Ludwig i have a question ♡~Feli~♡: How well do you protect against the germs

Ludwig: Pretty well, why

♡~Feli~♡: Because you live in ♡~Feli~♡: Germany

Ludwig: Feliciano Ludwig: I swear to god

...

Ludwig: https://youtu.be/tzQuuoKXVq0 Ludwig: I think you should watch this

♡~Feli~♡: Okie ♡~Feli~♡: The coffee one is so true i feel called out ♡~Feli~♡: OH I FOUND THE ITALIANS VERSUS GERMANS ONE ♡~Feli~♡: https://youtu.be/K0bI6YHhsvM

Ludwig: The vacation one is true

♡~Feli~♡: Yeah but lovi says you usually bring way more stuff and then ppl cant walk around the beach because of you

Ludwig: Well, I have only been to France for a summer vacation so there weren't a lot of options Ludwig: I am not a beach person to be honest

♡~Feli~♡: Thats cuz you ve never been to italian beachrs

Ludwig: I have never had a proper chance

♡~Feli~♡: Ill take you one day then ♡~Feli~♡: I promise you ll love it

...

♡~Feli~♡: Ludwig ♡~Feli~♡: Do you like planes

Ludwig: I guess Ludwig: Why?

♡~Feli~♡: I cant figure out how to draw them ♡~Feli~♡: They just end up looking like a deformed bird ♡~Feli~♡: I feel like ive created an outer space monster

Ludwig: I am not really the person you should ask for art advice Ludwig: Maybe try to find a model of some plane and keep practicing

♡~Feli~♡: Now you sound like my ex teachers ♡~Feli~♡: A trauma i never want to live through again

Ludwig: That reminds me Ludwig: What do you do for living Feliciano?

♡~Feli~♡: Clean after my brothers... ♡~Feli~♡: And art

Ludwig: So you don't have a part time job or anything?

♡~Feli~♡: Nope ♡~Feli~♡: Being lazy is my job acc to Lovi

Ludwig: That is fine Ludwig: I was just wondering because if you have to come here to work on the cover, I didn't want you to miss working hours

♡~Feli~♡: Id like to come someday ♡~Feli~♡: I wanted to see germany for a while

Ludwig: Well, if you don't have a place to stay at or you don't want to waste money on hotels, you are always welcome here Ludwig: Just call before you come

♡~Feli~♡: I will  ♡~Feli~♡: If i dont forget that is

...

♡~Feli~♡: So i found a list ♡~Feli~♡: Of my new years resolutions for 2018 ♡~Feli~♡: Guess which ones i did

Ludwig: None probably

♡~Feli~♡: Youd be close to correct ♡~Feli~♡: I did one

Ludwig: Which one?

♡~Feli~♡: I made a new friend ♡~Feli~♡: You

Ludwig: I... Ludwig: I am flattered

...

♡~Feli~♡: Ludwig do you like bugs

Ludwig: Not really, why?

♡~Feli~♡: I found this strange furry caterpillar its so cute

Ludwig: I feel the need to kinkshame you

♡~Feli~♡: Why?

Ludwig: For that word

♡~Feli~♡: Caterpillar ?? ♡~Feli~♡: Whats wrong with it ??

Ludwig: The one before it

♡~Feli~♡: Furry? ♡~Feli~♡: Whats wrong with it it does have some weird kind of fur

Ludwig: Never go on the internet Ludwig: Stay innocent forever

...

Ludwig: Algebra amazes me Ludwig: So much shit not enough bull Ludwig: Excuse my language

♡~Feli~♡: I will ignore the mentions of math language for the sake of you swearing ♡~Feli~♡: I want this on my gravestone

...

♡~Feli~♡: I asked lovi what furry means ♡~Feli~♡: Ludwig ♡~Feli~♡: Are you into that

Ludwig: No Ludwig: I am sorry you couldn't be innocent forever

♡~Feli~♡: I havent known innocence since i first learned what yaoi was

Ludwig: I am so terribly sorry

♡~Feli~♡: I am too for young me

...

♡~Feli~♡: Imagine if the world just turned to ashes one day

Ludwig: That could happen

♡~Feli~♡: Really ?? ♡~Feli~♡: I was just trying to be poetic

Ludwig: Yes  Ludwig: There is a theory that the sun will swallow Earth in distant future

♡~Feli~♡: I hope to be dead by then

Ludwig: We would all probably be Ludwig: If we don't recycle and take care of our planet

♡~Feli~♡: Yes

...

♡~Feli~♡: Your ass is grass herr sassafrass

Ludwig: Feliciano?

♡~Feli~♡: Yes this is Feli

Ludwig: You don't sound like Feliciano

♡~Feli~♡: You have no proof im not

Ludwig: Is this Lovino?

♡~Feli~♡: No ♡~Feli~♡: Sorry it was lovi ♡~Feli~♡: He took my phone to text nonno but he texted you instead

Ludwig: Your brother is interesting

♡~Feli~♡: Try living with him youd change your mind

...

Ludwig: *at 3 a.m.* Life is meaningless Feliciano Ludwig: We get attached to people, we learn to love them  Ludwig: But then before you know it Ludwig: They are dead Ludwig: Just like that the human existence crumbles

♡~Feli~♡: *at 11 a.m.* Ludwig are you okay

Ludwig: I finished a good book last night  Ludwig: I am anything but okay

♡~Feli~♡: Aww ♡~Feli~♡: I felt like that when i finished yours ♡~Feli~♡: Read it again for good measure

Ludwig: I have piles of homework to complete

♡~Feli~♡: Books are more important

Ludwig: I am going to have to agree with you there Ludwig: But I do have to finish this soon Ludwig: The deadline is in 3 weeks

♡~Feli~♡: Id do it the night before you have time ♡~Feli~♡: What kind of homework do you even have ♡~Feli~♡: How old are you Ludwig

Ludwig: 21 and a half Ludwig: It is just college assignments Ludwig: We got new ones today and I really like them completed in time

♡~Feli~♡: Aw you re a baby ♡~Feli~♡: Im 22 ♡~Feli~♡: What are you studying

Ludwig: Physics and mechanical engineering Ludwig: And I also have a part time job so Ludwig: Time mustn't be wasted

♡~Feli~♡: Thats a lot ♡~Feli~♡: Ludwig do you even breathe

Ludwig: No

...

♡~Feli~♡: Do you have anything comforting ♡~Feli~♡: Like some dog pictures or something ♡~Feli~♡: Im feeling really sad

*Ludwig has sent a picture*

Ludwig: Gilbert took them fishing today Ludwig: Are you okay

♡~Feli~♡: They are so cuteeee ♡~Feli~♡: CUTECUTECUTECUTE ♡~Feli~♡: Yeah im good  ♡~Feli~♡: Just feeling a bit under weather and lovi yelled at me that i was being lazy again

Ludwig: I see Ludwig: Sorry I am not very good with emotions Ludwig: Would you like some more pictures?

♡~Feli~♡: You get me enouth tnx ♡~Feli~♡: Send the cute

*Ludwig has sent 27 pictures*

Ludwig: I overdid it

♡~Feli~♡: I love them ♡~Feli~♡: When i get my ass to germany i will pet them lots and lots ♡~Feli~♡: Tell them that

Ludwig: Don't spoil my dogs too much

♡~Feli~♡: Oh i absolutely will

...

♡~Feli~♡: WE ARE THE CHAMPIONS MY FRIEND ♡~Feli~♡: AND WE WILL KEEP ON FIGHTING TILL THE END

Ludwig: Good morning to you too Feliciano

♡~Feli~♡: WE ARE THE CHAMPIONS ♡~Feli~♡: WE ARE THE CHAMPIONS

Ludwig: No time for losers

♡~Feli~♡: CUZ WE ARE THE CHAMPIONS

Ludwig: Of the world

♡~Feli~♡: Lets form a band Ludwig

Ludwig: No time Ludwig: But i do appreciate being woken up by Queen lyrics at 5 a.m. Ludwig: Why are you up so early

♡~Feli~♡: Bold of you to assume I even slept

Ludwig: I see

[lilulo-12fanfiction]

Nothing Breaks Like A Heart: Chapter 2 part 1

So I had to split this into 2 chapters because it’s really long. I’m not big on regurgitating content but it was a good way to set the story up further. Going forward there will be more original content with some cannon thrown in. P.S. IDGAF about Cannon if it doesn’t work well for my story.

I’d love it if you reblogged, gave feedback, etc.

Let me know if you want to be tagged

Series Masterlist

Tag List

@shreddedparchment @fanfictionjunkie1112

Nora smiled to herself as she approached Bruce Banner, Natasha and Steve. She was ecstatic to meet Bruce Banner. She hadn’t seen Natasha in a while and well Steve was another story altogether.

“Is that the only word on me?” Bruce questioned Steve looking incredibly apprehensive.

“Only word I care about.” Such a Steve Rogers thing to say. She watches as Banner seemed to relax, if only slightly.

“Well he won’t be doing it alone.” Nora beamed at the 3 of them. “Besides myself I’m quite positive that my Uncle will show his face after getting through Coulson’s information bomb he gave us last night. No way is he missing out on this.”

“Nora Stark.” The red headed assassin smiled back at Nora.

“Good to see you Rusty. It’s been too long.”

“Well Tony isn’t my biggest fan. So I’ve steered clear.” Natasha shrugged.

“Well stop it. No one cares what he thinks.” Natasha shook her head at Nora. The attitude was 110% Tony Stark.

“Hello Nora.” Steve finally spoke after observing her.

“Hello Captain. Good to see you again.” She watched as the heat rose to his face and turned to Bruce Banner before she reacted and stuck her hand out.

“Well apparently my friends here forgot their manners. Dr. Banner, I’m Nora Stark. I’m a huge fan of your work. I’m really looking forward to working with you.” Bruce tentatively shook her hand.

“You’re not scared to be around me?” Bruce looked at her small stature and assumed she’d be terrified. She shrugged.

“Why would I be?” She smiled. Her kind eyes put him at ease. She linked her arms through Bruce’s. “C’mon Dr. Banner. Let’s go do what we nerds do so the super heroes can get to work” Nora gave Steve a wink only he could see and led them towards the Helicarrier.

“Okay Bruce, apparently Loki is in Germany. I highly doubt the Tesseract is with him.” Nora sighed, pinching the bridge of her nose.

“I agree.” Bruce didn’t look up from the computer screen.

“I’m going to head out to Fury. I need to see this. Let me know when you need me.” Bruce nodded again and Nora headed out of the lab and down to the main section of the Helicarrier.

As she made her way out to the main deck, she could hear AC/DC over the comms and then her Uncle’s voice. “Agent Romanoff, you miss me?”

“I see I made it just in time for the show.” She crossed over to where Fury was standing and he Gave her a smirk.

“Make a move Reindeer Games” Nora watched as Natasha landed the Quinjet to capture Loki.

“He doesn’t have the tesseract with him. And we haven’t located it yet. But the staff he carries, the one that turned one of your best parents into a puppet. I’m thinking that might help us.”

“I agree, Nora. Go let Dr. Banner know what’s going on and both of you join us back here once they’re back on this ship.” Nora nodded at the order and headed to retrieve Dr. Banner. She turned her comm on so she could listen in to their ride with Loki and was privy to the fight between the three men.

A little while after Loki was on the ship, Nora made her way back down to the main deck to discuss Loki. Dr. Banner would be joining them shortly. As she approached she heard her Uncle refer to someone as “Point Break”. She rolled her eyes and made herself known.

“Oh good. You’re all done playing swords. Did you find out who’s the biggest or did you just waste our time?”

“See that’s what makes you my favorite Stark. You’re infinitely more funny than Tony.” Natasha and Nora smiled at each other.

“What? No! Absolutely not! You’re not helping on this mission!” Tony wasn’t exactly surprised to see Nora but he wasn’t going to allow her to jump into the line of danger.

“You say that like you still have a say in the choices I make” Nora scoffed at her Uncle. “You need me. If you didn’t Pepper wouldn’t have asked me to come and Fury wouldn’t have agreed to it.”

“Nora I know you’re brilliant but we can do this without you.” Tony shot back. Steve watched on with interest.

“No you can’t. You need my memory and my professional abilities.” Nora was just as stubborn as her Uncle. This wasn’t going to end quickly.

“Your memory? What does that mean.” Nora looked over to the heavy accented voice that was sitting at the table.

“You must be Thor" He nodded. I have a photographic memory. I remember every detail of everything.”

“That sounds very useful and overwhelming.” His understanding and empathy took Nora by surprise. It was overwhelming and incredibly useful. There were some things she wished she could forget, yet instead they plagued her dreams. “And what are these professional abilities?” Thor was intrigued by this tiny human.

“I have some pretty stellar computer skills.” Before Thor could question Nora further Tony was interrupting.

“Uh hello??? I have some pretty decent computer skills myself.” Nora rolled her eyes at the exact same time Tony did and the resemblance between her and Tony couldn’t be ignored. It made Thor smile.

“Obviously you know your way around a computer. But you know full well that you can’t hack like I can.”

“She’s right Tony.” Fury finally spoke. “She hacked the Pentagon on a dare in High School.”

“You what?!” Steve was shocked and Nora stood there with a proud smile on her face. He wouldn’t have thought she would do something like that.

“Sorry Captain. Sometimes you just have to bend the rules. Especially when your sexist classmate thinks he’s superior because he has a teeny tiny appendage between his legs” Thor audibly laughed.

“Yeah that was pretty impressive. I’m still pretty proud you did that.” Tony finally conceded. “Fine. I’m not going to argue with you anymore but if you’re going to be on this mission you need something a little more protective than whatever this is that you’re wearing.” He pointed up and down her body. She was clad in a leather pencil skirt, a denim button down shirt and sky high leopard print heels. Her normally long curly hair was straightened and in a high ponytail with braids on the top of her head.

“Well I asked you to make me a suit.” Nora shot back. Thor watched on enjoying the verbal ping pong match. He liked the fire in Nora Stark.

“So you can put yourself in more danger? Yeah, not likely.” Nick Fury stood up to put an end to the bickering.

“Nora- I had some special Kevlar made for you. There’s a locker with your name on it. You can change when you're ready.”

“Thanks Uncle Nick.” Nora gave Tony a dirty look and went and sat down next to Thor. She was drawn to him for some reason. She couldn't explain it. "So tell me about Asgard and this brother of yours" Steve watched as Thor and Nora seemed to be in a bubble. He had her undivided attention. She laughed at the things he said that weren’t meant to be funny but were because of Thor’s lack of Earth knowledge. She would place her hand on his arm as they spoke. Neither of them seemed to pay much attention to the people around them. He had to force himself to pay attention to what Fury was saying. He was surprised at how jealous he felt. He barely knew her. And he didn’t ever expect to find anyone that stirred feelings in him. Not the way Peggy did. It wasn’t the same, Peggy was Peggy. But Nora somehow set off a spark inside him. The first real connection he made before coming out of the ice.

Nora sighed and sat down on the bench in the locker room. She wanted her own “Iron Man” suit. Tony refused. Nora had contemplated just hacking into his system for the plans, but she couldn’t break her Uncle’s trust like that. She didn’t want him doing this alone. Maybe now that Steve was out of the ice he wouldn’t have to. She was always afraid that when he left in that Iron Man suit he wouldn’t come back. She knew Pepper had the same fears. Nora and Tony both had lost so much. They had been betrayed by people they had loved too. He wasn’t her father. No one could ever take Grant Starks place in her heart, but the relationship she and Tony had was something beyond parent and child. They were connected by loss and pain. They were connected by their similarities. They had the same snark, the same attitude and the Stark swagger. The swagger that sometimes acted as a protective bubble. Tony was Nora’s protector. Even when he was missing he was still protecting her. He had always had a plan in place with Rhodey and Pepper to keep her safe and loved if something happened and he couldn’t. All Nora wanted to do was protect him as well.

She stood and opened up the locker with her name and smiled at what Nick had left her. It was an all black Kevlar suit that looked like leather. It had straps across her hips and boots that went over her knees. There were a number of holsters to hold weapons or technological items. She wasn’t sure where Nick had found it, but it was perfect. It held her body like a glove. She was curvy but strong. She has never been skinny. Her body wasn’t built to be that small. She had accepted her flaws a long time ago and learned how to use them to her advantage.

She headed out of the locker room with plans to head back to the lab. Her eyes caught the door that she knew Loki was behind and she just couldn’t help herself. Her credentials allowed her to enter the room. There he stood. The God of Mischief in a round glass cage.

“Hello Loki.” He snapped his head up and studied her.

“The Dróttning av Gimsteinn” Loki’s voice was almost breathless. He hadn’t been expecting to see her and the words had poured from his mouth before he could stop them.

“What did you just say?” Nora stopped in her tracks and stared him down. Loki’s eyes bore into Nora’s and he didn’t respond. “What does that mean?”

“You’ll find out soon enough I suppose” Loki acted as uninterested in her as he possibly could. I’m reality he was buzzing on the inside. He thought it would be more difficult to get eyes on her. Nora narrowed her eyes at him. She took a step towards him and stopped.

“I’m not going to let you goad me into a reaction. When you get bored of this and want to tell me where the tesseract is, let me know. If I find it before you tell me, I can’t help you.” Before Loki could respond, she was gone. Loki smiled to himself. She was feisty. She liked to spar. This was going to be more fun than he originally thought.

Nora was wracking her brain trying to figure out what Loki called her as she was heading back. She didn’t even know what language it was. She was about to pull her phone out and try to search for what she thought he had said when she stumbled upon Steve trying to pry a set of doors open. Captain America breaking and entering? This was surprising. She crossed her arms in front of her body and leaned against the wall.

“Need some help Captain?” She smiled with a suggestive voice as Steve jumped. He turned and faced Nora sheepishly with red cheeks. He had on hand on the back of his neck and looked impossibly adorable.

“I was…I uh…” He was embarrassed for getting caught but what really had him stuttering was Nora. No one should look that good in Kevlar. He silently chastised himself for behaving like a 13 year old. Nora shook her head and without a word pushed herself off of the wall and approached the door Steve was trying to bust open. She pressed her palm to the lock pad. It read her palm print and prompted for the 2nd security key. “Stark, Nora Margaret”. Steve froze. Was Peggy apart of her life? It couldn’t be a coincidence that she was related to Howard Stark and her middle name was Peggy. Howard and Peggy has founded Sheild together. He wondered if Peggy had any sort of relationship with Nora’s father. He wanted to ask her about it, but it wasn’t the right time. Nora motioned him inside.

“After you.” Nora followed him into the room and the door shut behind him. “Mind telling me what we’re doing in here? What are you looking for?”

“I’m honestly not sure. Your Uncle is trying to get all of Sheild’s files as we speak. He seems to think Fury is hiding something.”

“Oh what a jack ass. He’s trying to hack in on his own instead of asking me. He’s trying to prove he doesn’t need me. I could have had those files in 5 minutes, 10 tops. Plus I have access to a lot of shit around here. Sheild is my family birth right. My father would have taken Howard’s place.”

“Wait- so you agree with Tony? You think he’s hiding something?”

“Don’t be so naive Captain. Of course he’s hiding something. He’s a super spy. His secrets have secrets!” Steve laughed. “What’s funny?”

“Your Uncle literally said the same thing. Word for word.” Nora’s eyes shone with pride. “Are you going to help me look?”

She threw her arms up in a shrug. “Kind of hard to help when I have zero clue what to look for. And how do you know I’m not in on it?”

“Call it a gut instinct.” Nora liked to banter and Steve was feeling brave. He was still feeling a little green after seeing her with Thor. Now was his chance to see if she was as just flirty or interested in him. He was a God. A good looking one at that. And while he felt like an idiot worrying about it when they had more important things to focus on, he had to know. “So you’re done flirting with Thor? You two seemed to hit it off right away.” He looked at her with a raised eyebrow.

“I wasn’t flirting! Why? Are you jealous?” Nora sauntered over to where Steve was leaning over a crate. She put her hand on his shoulder and leaned over so she could whisper in his ear. “Believe me Captain, if I’m flirting, you’ll know it.”

Nora’s breath was hot on his neck and it sent a chill down his spine. He was about to respond but his attention was pulled to the container in front of him. Steve opened a container. “I think I found what we’re looking for.” Steve watched as Nora pinched the bridge of her nose.

“Dammit.” The disappointment was radiating from her voice. “Sometimes, it’s really hard to separate the spy, the head of Shield, from the man that helped me become who I am today. The person my father revered. I just can’t.”

“I’m sorry Nora.” Steve put his hand on her shoulder.

“Why are you apologizing? You didn’t do this Steve.”

“No, but I know that feeling. And I’m sorry that you’re feeling it now.” Nora gave Steve a small smile.

“Thank you. God this is all so messed up. Let’s go to the lab. I’d like to talk to Nick and I need to ask Thor some questions about his brother.” Steve picked up the container and the two of them headed back to her Uncle and Dr. Banner.

Nora could heat heated voices as she and Steve approached the lab. So heated that they didn’t even notice the two of them enter in the middle of Bruce’s sentence.

“…When we get a hit, we’ll have the location within half a mile.” Nora could tell he was trying to control his temper. Tony picked up where Bruce left off. The two of them were a team already.

“And you’ll get your cube back, no muss, no fuss. What is Phase Two?” Tony wanted answers. Nora knew that look in his eye.

Nora jumped as Steve slammed the case down on the counter. “ Phase Two is SHIELD used the Cube to make weapons.” Steve answered for Fury and then directed himself towards Tony. “Sorry, computer was moving a little slow for me.”

Nora gave Tony a dirty look. “I literally could have gotten it within 10 minutes tops. Stop trying to prove that you don’t need me.”

“Rogers, we gathered everything related to the Tesseract. This does not mean that we’re-“ Before Fury could finish Tony flipped the screen to reveal a plan for a missile. Nora pit her face in her hands. This was only going to get worse.

“I’m sorry, Nick. What were you lying?” Nora clenched her jaw. She didn’t know what to say to calm the waters because she was just as angry as the rest of them. She pulled herself from her thoughts as Natasha and Thor came into the lab.

“You wanna think about removing yourself from this environment, doctor?” Bruce laughed in Natasha’s face.

“I was in Calcutta, I was pretty well removed.” Nora ignored their verbal ping pong as she went over to the monitor to check on the Tesseract. She paused and eyed Loki’s staff curiously. When she focused back on the group Fury was explaining why Sheild wanted to create these weapons.

“Last year earth had a visitor from another planet who had a grudge match that leveled a small town. We learned that not only are we not alone, but we are hopelessly- hilariously, out-gunned.” Nora was going to tell Nick he was right but that he should have been upfront but Thor interjected before she had the chance.

“My people want nothing but peace with your planet.”

“But you’re not the only people out there, are you? And, you’re not the only threat. The world’s filling up with people who can’t be matched, they can’t be controlled.” Fury shot back quickly. Nora couldn’t focus on what they were saying anymore. Her attention was drawn back to Loki’s staff like it was pulling her in. Bits and pieces of the argument would break through. She couldn’t focus on who was saying what as her head started to pound and the sceptor started to glow..

“Nuclear deterrent! ’Cause that always calms everything right down.”

“ I’m sure if he still made weapons, Stark would be neck deep-“

“How is this now about me?”

“I’m sorry, isn’t everything?”

“I thought humans were more evolved than this.”

“I swear to God, Stark, one more crack...”

Nora felt more dizzy and tried to focus on Steve’s voice, though she wished she hadn’t. “Yeah, big man in a suit of armor. Take that off, what are you?” Why was Steve attacking her Uncle? He didn’t know what he was talking about. Nora felt too woozy to feel any anger at that point.

“Genius, billionaire, playboy, philanthropist.”

“I know guys with none of that worth ten of you. I’ve seen the footage. The only thing you really fight for is yourself. You’re not the guy to make the sacrifice play, to lay down on a wire and let the other guy crawl over you.” He was wrong. He didn’t know what Tony Stark was about. He put on a front but he was a hero. He took the world on his shoulders. Nora remembered Tony destroying all of the weapons sold to our enemies. She wanted to scream at Rogers but her head hurt too badly to speak. Tony’s voice cut through the pain.

��A hero, like you? You’re a laboratory experiment, Rogers. Everything special about you came out of a bottle.”

“Put on the suit, let’s go a few rounds.”

“Steve, Tony- Stop” Nora begged. Her voice wasn’t loud enough for them to hear her. She was sure it was Loki’s scepter causing them to act like this. It was what messed with Barton’s head. Loki had wanted it to be here, to cause this dissension. Finally Bruce’s yelling caused everything to stop.

“IN CASE YOU NEEDED TO KILL ME. BUT YOU CAN’T, I KNOW, I TRIED!” He stopped and saw that everyone is staring at him and he continued. “I got low. I didn’t see an end so I put a bullet in my mouth and the other guy spit it out. So I moved on, I focused on helping other people. I was good until you dragged me back into this freak show and put everyone here at risk. You wanna know my secret, Agent Romanoff? You wanna know how I stay calm?”

“Oh Bruce...” Nora could feel his pain and anger, how broken he felt. He was holding the scepter while Fury and Natasha hand their hands on their guns. Nora was white as a sheet.

“Please Bruce. That thing is making you all act like this. Please put it down. No one is going to cage you, I promise..”

“Nora?” Tony’s voice was full of worry. She looked sick. She had barely said a word during the argument. She normally would tell Tony if he was being an ass or defend him if he was right. Steve took a deep breath, sighed and looked at Bruce.

“Doctor Banner, put down the scepter.” Banner looked down, surprised to see the spear in his hand. Suddenly the monitor made a noise, signaling the Tesseract has been located. Bruce put the scepter back on the table and walked over to the screen on the other side of the room. Nora walked over to the table and lightly touched the scepter, knowing it was the source of her pain. She just didn’t know why. She yanked her hand back and turned towards her Uncle.

Suddenly Tony turned to leave but Steve put his arm out to stop him. “You’re not going alone Stark!” Tony smacked Steve’s hand away.

“You gonna stop me?” Nora groaned. Taking steps towards the two men.

“Put on the suit, let’s find out!

“ I’m not afraid to hit an old man.”

“Will the two of you stop acting like children?!” Nora was pleading with them. Then she heard Banner yelling and then an explosion. Nora flew into Steve, he grabbed her by the waist as he and Tony fell near the entry way. Steve turned her so she would fall on him instead of the floor protecting her head and neck. The next thing she knew Steve was pulling her along with Tony.

[themoneybuff-blog]

How we used geographic arbitrage to pursue our dreams (and enrich our lives)

Howdy. My name is Michael Robinson. While J.D. is visiting Europe with his cousins, I volunteered to share how my wife and I have leveraged the power of geographic arbitrage to pursue our dreams and to build our wealth. Geographic arbitrage means taking advantage of the differences in prices between various locations. You earn money in a stronger economy (San Francisco, maybe, or the U.S. in general) and spend it in a weaker economy (South Dakota or Ecuador, for instance). Geographic arbitrage is a powerful tactic worth considering if you want to increase your saving rate so that you can better pursue your financial goals. Several times over the course of our lives together so far, my wife and I have managed to unwittingly stumble upon the benefits of geographic arbitrage. If you've ever chosen your vacation destination based on how strong the country's currency is opting to visit England when the pound was weak, maybe then you've practiced geographic arbitrage. Today, I'm going to share three examples of how the concept has impacted our lives and helped us to achieve financial independence at 33. I hope these examples will spark some ideas for how you might be able to leverage geographic arbitrage along your financial journey as well. About Us I met my wife Ellen in Cuernavaca, Mexico in 2004. We were both studying Spanish at the same language school. I was there to earn the last few credits I needed to complete a minor in Spanish. Ellen hoped the months of Spanish immersion would help her land a job as a bilingual elementary teacher in the Pacific Northwest. Despite Ellens intention to avoid befriending any native English-speaking gringos like me, we hit it off right away and quickly became close friends. As our months together in Mexico wound down, Ellens efforts paid off and she was hired by a bilingual elementary school in Shelton, Washington. I graduated and was offered a position as an international sales manager. Ellen and I started a long-distance relationship that summer and I moved out to Washington to join her as soon as I could.

Losing One Income Without Noticing It Our first experience with geographic arbitrage was unintentional. We didn't even realize what we were doing at the time. After Ellens first two years as a bilingual teacher, she asked her principal for a one-year leave of absence so she could return to Mexico and further improve her Spanish proficiency. Her principal agreed and we packed up and headed to Guadalajara for the 2007-2008 school year. Although we lost Ellens annual $30,000 salary, we didnt feel it much because our cost of living was considerably lower during that year in Mexico. Our apartments in Washington had each cost us $800-$900 per month. In Mexico, we were able to find a suitable apartment to share for around $400 per month. Groceries and other goods and services were all also considerably cheaper. Geographic arbitrage allowed us to maintain our standard of living in Mexico despite the loss of one income. Taking Advantage of Taxes During all of our highest-earning years, Ellen and I happened to live in Nevada, Washington, and Texas all locations without state income tax. While avoiding state income tax is obviously appealing, these states make up for that lost revenue by increasing taxes in other areas. Nevada: There is no personal or corporate income tax because the state collects billions of dollars each year in the form of gambling taxes and fees. While we lived there, I gambled with exactly $0 of my money, avoiding this tax altogether.Washington: Here we had one of the highest sales tax rates in the country (8.88%) and high gas prices on account of higher gasoline taxes. While we lived there, we didnt consume a lot compared to most households, which lowered our sales tax burden. I also worked from a home office and Ellen taught at a nearby school so we didnt really use inordinate amounts of gasoline either.Texas: Here we also had a high sales tax rate (8.25%) and lived in the state with the fourth-highest property tax rate in the country incredibly, we owed over 2% of our homes value every year in property taxes! In Texas, we maintained our relatively frugal lifestyle, again reducing our exposure to the higher sales tax burden. And although we were pre-approved for an inexplicably high $750,000 mortgage in 2007 (on our two five-figure incomes no less!), we chose to instead take on a $100,000 mortgage and buy a starter home less than a mile from the office where we knew Id be working. We moved to Colorado in 2016, the same year we both stopped working full-time. This is the first state weve lived in together where weve been charged state income tax (a middling 4.63%, the 23rd-lowest in the country). But we have low property taxes and the lowest state sales tax in the country (out of states collecting sales tax). Although we're now paying state income tax in Colorado, our earned income as early retirees is predictably the lowest its been in our fourteen-year relationship. And although weve bought a home that cost us almost three times as much as what we paid for our Texas home, were actually paying less each year in property taxes. Bonus fact for money nerds! For anyone curious, heres the complete list of states with no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Note, however, that while New Hampshire currently charges no state income tax on earned income, it does tax investment income. Also, Tennessee currently charges no state income tax on earned income, but does tax some dividends and interest income. However, Tennessee has announced plans to phase out state income taxes altogether by 2022. Making Money with Airbnb Our most recent experience with geographic arbitrage was more deliberate. When we learned that 31 October 2016 was going to be my last day of full-time work, it didnt take us long to devise a plan to return to Latin America, this time with our two young children. In our research, we quickly discovered The Earth Awaits, a useful tool for comparing the crime statistics, pollution levels, and cost of living of various cities around the world. (Get Rich Slowly reviewed The Earth Awaits last year.)

At the time, Cuenca, Ecuador was the only Latin American city in their database that had earned the designations low crime and low pollution. Since we were traveling there with a nine-month-old and a two-year-old, those seemed like great characteristics to us! We did some additional research on similar tools and local expat forums, and only became more and more interested in visiting the city. Heres a short promo video showcasing Cuenca and the surrounding Andean mountain region. [embedded content] Shortly after we decided to spend our first winter in Cuenca, I had another ambitious idea. I felt it would be wasteful for our house to sit empty for three months while we were traveling, so I proposed to Ellen that we experiment with hosting our home on Airbnb while we were away. She was resistant at first, and rightly so. It was going to take a lot of work to get our home ready and sort out who would manage everything while we were away, among other things. But she came around to the idea and we gave it a go. We've discussed our Airbnb hosting experience in more detail in the following articles at our website, and we've done a fair amount of Airbnb hosting since. We were very impressed with the success of our Airbnb experiment. Our homes first ever booking was $1,890 for 8 nights! While we choose not to publish our net worth and our monthly expenses in dollars for personal reasons, Ive prepared the following chart to illustrate the impact Airbnb had on our financial picture while we were traveling.

Let's look at these numbers: Expenses: Our standard monthly expenses are represented on the chart as 100%. Weve been tracking our expenses in Mint since 2008 and Personal Capital since 2013. Before that, I tracked another decade of our expenses in desktop budgeting software. So we feel pretty confident in our understanding and control of our monthly expenses.Traveling Expenses: This shows approximately how much our monthly expenses dropped during our 6 months (two winters) in Cuenca.Potential Portfolio Income: This shows our safe monthly spending level should we live solely off of our investment portfolio per the 4% rule.Uncommon Dream Income: Although neither of us work full-time, I enjoy doing a day or two each week of consulting and we earn a small amount of income from our blog.Rental Income: This represents the monthly income weve been able to earn through Airbnb while were traveling. In case you missed it, let me draw your attention to an important point: Our monthly expenses while we were living in Cuenca were actually lower than our monthly Airbnb income. So, if we hadnt spent over a decade accumulating a portfolio of assets that could cover our living expenses, and if we werent continuing to earn any income, our Airbnb rental income alone still could have covered our cost of living abroad! This actually exceeded my own expectations for our Airbnb experiment. I also need to point out that we prioritized paying off our first home during the 2008-2009 recession. And we havent carried a mortgage since. The potential is certainly magnified by the absence of a mortgage. But even homeowners with a mortgage or renters may very well be able to cover their housing related bills this way, freeing them up to more affordably slow travel. If you're interested in becoming an Airbnb host, you can sign up with this link. Closing Thoughts When I ask people what they would do if money weren't a factor, traveling abroad often makes the list. While travel is a common desire, everyones specific motivations vary. Some dream of learning another language while others are drawn to an areas unique geographical features. Still others seek to experience life in a radically different culture. For most of us though, money is a factor. But thats no reason to give up on the dream of traveling abroad. Living costs around the world vary tremendously and many great destinations are quite affordable. Weve met a number of people living abroad who fund their overseas lifestyles in creative ways. Some live on personal savings while others rely on income from rental properties back home. Some work remotely while others find local work. A few of our expat friends have even started companies abroad. If travel is a priority for you, don't let your current financial situation act as a barrier. Get creative. Use tools like The Earth Awaits to discover affordable places to live. Leverage the power of geographic arbitrage to pursue your dreams!

Author: Michael Robinson Michael and his wife Ellen achieved financial independence at 33 and retired early at 36. Now they're raising two kids in Colorado (and abroad) while writing about money, life, and their familys adventures at Uncommon Dream. https://www.getrichslowly.org/geographic-arbitrage/

[themoneybuff-blog]

How we used geographic arbitrage to pursue our dreams (and enrich our lives)

Howdy. My name is Michael Robinson. While J.D. is visiting Europe with his cousins, I volunteered to share how my wife and I have leveraged the power of geographic arbitrage to pursue our dreams and to build our wealth. Geographic arbitrage means taking advantage of the differences in prices between various locations. You earn money in a stronger economy (San Francisco, maybe, or the U.S. in general) and spend it in a weaker economy (South Dakota or Ecuador, for instance). Geographic arbitrage is a powerful tactic worth considering if you want to increase your saving rate so that you can better pursue your financial goals. Several times over the course of our lives together so far, my wife and I have managed to unwittingly stumble upon the benefits of geographic arbitrage. If you've ever chosen your vacation destination based on how strong the country's currency is opting to visit England when the pound was weak, maybe then you've practiced geographic arbitrage. Today, I'm going to share three examples of how the concept has impacted our lives and helped us to achieve financial independence at 33. I hope these examples will spark some ideas for how you might be able to leverage geographic arbitrage along your financial journey as well. About Us I met my wife Ellen in Cuernavaca, Mexico in 2004. We were both studying Spanish at the same language school. I was there to earn the last few credits I needed to complete a minor in Spanish. Ellen hoped the months of Spanish immersion would help her land a job as a bilingual elementary teacher in the Pacific Northwest. Despite Ellens intention to avoid befriending any native English-speaking gringos like me, we hit it off right away and quickly became close friends. As our months together in Mexico wound down, Ellens efforts paid off and she was hired by a bilingual elementary school in Shelton, Washington. I graduated and was offered a position as an international sales manager. Ellen and I started a long-distance relationship that summer and I moved out to Washington to join her as soon as I could.

Losing One Income Without Noticing It Our first experience with geographic arbitrage was unintentional. We didn't even realize what we were doing at the time. After Ellens first two years as a bilingual teacher, she asked her principal for a one-year leave of absence so she could return to Mexico and further improve her Spanish proficiency. Her principal agreed and we packed up and headed to Guadalajara for the 2007-2008 school year. Although we lost Ellens annual $30,000 salary, we didnt feel it much because our cost of living was considerably lower during that year in Mexico. Our apartments in Washington had each cost us $800-$900 per month. In Mexico, we were able to find a suitable apartment to share for around $400 per month. Groceries and other goods and services were all also considerably cheaper. Geographic arbitrage allowed us to maintain our standard of living in Mexico despite the loss of one income. Taking Advantage of Taxes During all of our highest-earning years, Ellen and I happened to live in Nevada, Washington, and Texas all locations without state income tax. While avoiding state income tax is obviously appealing, these states make up for that lost revenue by increasing taxes in other areas. Nevada: There is no personal or corporate income tax because the state collects billions of dollars each year in the form of gambling taxes and fees. While we lived there, I gambled with exactly $0 of my money, avoiding this tax altogether.Washington: Here we had one of the highest sales tax rates in the country (8.88%) and high gas prices on account of higher gasoline taxes. While we lived there, we didnt consume a lot compared to most households, which lowered our sales tax burden. I also worked from a home office and Ellen taught at a nearby school so we didnt really use inordinate amounts of gasoline either.Texas: Here we also had a high sales tax rate (8.25%) and lived in the state with the fourth-highest property tax rate in the country incredibly, we owed over 2% of our homes value every year in property taxes! In Texas, we maintained our relatively frugal lifestyle, again reducing our exposure to the higher sales tax burden. And although we were pre-approved for an inexplicably high $750,000 mortgage in 2007 (on our two five-figure incomes no less!), we chose to instead take on a $100,000 mortgage and buy a starter home less than a mile from the office where we knew Id be working. We moved to Colorado in 2016, the same year we both stopped working full-time. This is the first state weve lived in together where weve been charged state income tax (a middling 4.63%, the 23rd-lowest in the country). But we have low property taxes and the lowest state sales tax in the country (out of states collecting sales tax). Although we're now paying state income tax in Colorado, our earned income as early retirees is predictably the lowest its been in our fourteen-year relationship. And although weve bought a home that cost us almost three times as much as what we paid for our Texas home, were actually paying less each year in property taxes. Bonus fact for money nerds! For anyone curious, heres the complete list of states with no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Note, however, that while New Hampshire currently charges no state income tax on earned income, it does tax investment income. Also, Tennessee currently charges no state income tax on earned income, but does tax some dividends and interest income. However, Tennessee has announced plans to phase out state income taxes altogether by 2022. Making Money with Airbnb Our most recent experience with geographic arbitrage was more deliberate. When we learned that 31 October 2016 was going to be my last day of full-time work, it didnt take us long to devise a plan to return to Latin America, this time with our two young children. In our research, we quickly discovered The Earth Awaits, a useful tool for comparing the crime statistics, pollution levels, and cost of living of various cities around the world. (Get Rich Slowly reviewed The Earth Awaits last year.)

At the time, Cuenca, Ecuador was the only Latin American city in their database that had earned the designations low crime and low pollution. Since we were traveling there with a nine-month-old and a two-year-old, those seemed like great characteristics to us! We did some additional research on similar tools and local expat forums, and only became more and more interested in visiting the city. Heres a short promo video showcasing Cuenca and the surrounding Andean mountain region. [embedded content] Shortly after we decided to spend our first winter in Cuenca, I had another ambitious idea. I felt it would be wasteful for our house to sit empty for three months while we were traveling, so I proposed to Ellen that we experiment with hosting our home on Airbnb while we were away. She was resistant at first, and rightly so. It was going to take a lot of work to get our home ready and sort out who would manage everything while we were away, among other things. But she came around to the idea and we gave it a go. We've discussed our Airbnb hosting experience in more detail in the following articles at our website, and we've done a fair amount of Airbnb hosting since. We were very impressed with the success of our Airbnb experiment. Our homes first ever booking was $1,890 for 8 nights! While we choose not to publish our net worth and our monthly expenses in dollars for personal reasons, Ive prepared the following chart to illustrate the impact Airbnb had on our financial picture while we were traveling.

Let's look at these numbers: Expenses: Our standard monthly expenses are represented on the chart as 100%. Weve been tracking our expenses in Mint since 2008 and Personal Capital since 2013. Before that, I tracked another decade of our expenses in desktop budgeting software. So we feel pretty confident in our understanding and control of our monthly expenses.Traveling Expenses: This shows approximately how much our monthly expenses dropped during our 6 months (two winters) in Cuenca.Potential Portfolio Income: This shows our safe monthly spending level should we live solely off of our investment portfolio per the 4% rule.Uncommon Dream Income: Although neither of us work full-time, I enjoy doing a day or two each week of consulting and we earn a small amount of income from our blog.Rental Income: This represents the monthly income weve been able to earn through Airbnb while were traveling. In case you missed it, let me draw your attention to an important point: Our monthly expenses while we were living in Cuenca were actually lower than our monthly Airbnb income. So, if we hadnt spent over a decade accumulating a portfolio of assets that could cover our living expenses, and if we werent continuing to earn any income, our Airbnb rental income alone still could have covered our cost of living abroad! This actually exceeded my own expectations for our Airbnb experiment. I also need to point out that we prioritized paying off our first home during the 2008-2009 recession. And we havent carried a mortgage since. The potential is certainly magnified by the absence of a mortgage. But even homeowners with a mortgage or renters may very well be able to cover their housing related bills this way, freeing them up to more affordably slow travel. If you're interested in becoming an Airbnb host, you can sign up with this link. Closing Thoughts When I ask people what they would do if money weren't a factor, traveling abroad often makes the list. While travel is a common desire, everyones specific motivations vary. Some dream of learning another language while others are drawn to an areas unique geographical features. Still others seek to experience life in a radically different culture. For most of us though, money is a factor. But thats no reason to give up on the dream of traveling abroad. Living costs around the world vary tremendously and many great destinations are quite affordable. Weve met a number of people living abroad who fund their overseas lifestyles in creative ways. Some live on personal savings while others rely on income from rental properties back home. Some work remotely while others find local work. A few of our expat friends have even started companies abroad. If travel is a priority for you, don't let your current financial situation act as a barrier. Get creative. Use tools like The Earth Awaits to discover affordable places to live. Leverage the power of geographic arbitrage to pursue your dreams!

Author: Michael Robinson Michael and his wife Ellen achieved financial independence at 33 and retired early at 36. Now they're raising two kids in Colorado (and abroad) while writing about money, life, and their familys adventures at Uncommon Dream. https://www.getrichslowly.org/geographic-arbitrage/