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#small business accounting tool
moolamore · 1 year
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Moolamore: Your Financial Navigation System for Small Business Success
Let's get down to business. As the owner of a small or medium-sized business, you are probably aware that navigating the turbulent waters of entrepreneurship can be hazardous terrain. A single wrong turn can spell disaster. Moolamore is a game-changing solution that serves as your financial GPS, guiding your company through the turbulent waters of cash flow management. Let us go over some of its outstanding features and benefits:
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Having a trustworthy financial GPS like Moolamore can make all the difference. This game-changer gives you the confidence to navigate the turbulent and unpredictable waters of entrepreneurship.
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tanukkie · 1 month
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preview of the sticker sheets that i'm gonna take to the upcoming artist alley in my city (⁠≧⁠(⁠エ⁠)⁠≦⁠ ⁠) i'm very excited and also anxious
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moonlightsdelights · 1 year
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Looking for insights into your future? Come visit our divination business!
At our divination business, our experienced reader use different methods like tarot cards, runes , and oracle cards to help you gain a deeper understanding of your life and guide you towards a brighter future. Whether you're struggling with love, career, or just feeling lost, we're here to help you find clarity and peace.
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techtoio · 3 months
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How to Choose the Best Accounting Software for Your Business
Introduction In the fast-moving environment related to the business world, keeping yourself on top of the finances will never be an easy task. In reality, a company can easily slip into disarray without proper supervision of its finances. No matter whether yours is a small startup or a big corporation, the right kind of accounting software will certainly work wonders in the smooth flow of financial operations. But with accounting software options galore, how do you choose a software that’s suitable for your business? The guide from TechtoIO will take you through everything you need to know to make an informed decision. Read to continue
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artisticdivasworld · 4 months
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Why Analyzing Financial Data is Crucial for Your Trucking Business
Photo by Pixabay on Pexels.com If you’re having a tough time keeping your business on track. We get it—running a trucking company is no easy feat. There’s so much to juggle: maintenance, fuel costs, routes, driver management, and on top of that, financials. It’s overwhelming, and we know the last thing you want to think about is diving into those spreadsheets and financial reports. But let me…
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kajmasterclass · 11 months
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digisme · 1 year
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5 Reasons to Choose DigiSME HRMS!
Are you looking for HRMS for your small business? Then DigiSME is the best choice. We understand that managing the human resources and accounting aspects of your business can be time-consuming. That's why we created an integrated and automated platform that allows you to easily meet operation needs while freeing up your time to focus on what matters most - your business.
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blogborsa · 4 months
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CREVH - GOLD
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QuickBooks is a renowned accounting software that offers a seamless solution for small businesses to manage their financial tasks efficiently. With features designed to streamline accounting processes, QuickBooks simplifies tasks such as tracking receipts, income, bank transactions, and more. This software is available in both online and desktop versions, catering to the diverse needs of businesses of all sizes. QuickBooks Online, for instance, allows users to easily track mileage, expenses, payroll, send invoices, and receive payments online, making it a comprehensive tool for financial management. Moreover, QuickBooks Desktop provides accountants with exclusive features to save time and enhance productivity. Whether it's managing income and expenses, staying tax-ready, invoicing, paying bills, managing inventory, or running reports, QuickBooks offers a range of functionalities to support businesses in their accounting needs.
Utilizing qb accounting software purposes comes with a myriad of benefits that can significantly enhance business operations. Some key advantages of using QuickBooks include:
- Efficient tracking of income and expenses
- Simplified tax preparation and compliance
- Streamlined invoicing and payment processes
- Effective management of inventory
- Generation of insightful financial reports
- Integration with payroll and HR functions
These benefits not only save time and effort but also contribute to better financial decision-making and overall business growth. QuickBooks is designed to meet the diverse needs of businesses, offering tailored solutions for various industries and sizes.
When considering accounting qb software options, QuickBooks stands out as a versatile and comprehensive choice. To provide a holistic view, let's compare QuickBooks with two other popular accounting software options - Xero and FreshBooks. quick book accounting package and offers robust features for small businesses, including advanced accounting capabilities, invoicing, payment processing, and payroll management. Xero, on the other hand, is known for its user-friendly interface and strong collaboration features, making it a popular choice among startups and small businesses. FreshBooks excels in invoicing and time tracking functionalities, catering to freelancers and service-based businesses. By evaluating the features, pricing, and user experience of these accounting software options, businesses can make an informed decision based on their specific needs and preferences.
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inthisuproar · 2 years
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Was going to write this as a reply to something but realized it needed its own post.
The tl;dr is that, from the looks of it, Automattic absolutely has every intention of turning Tumblr into a marketing media platform.
I work for a marketing company. I build websites.
Specifically, I build websites on Wordpress.org, which is operated by the Wordpress Foundation.
The Wordpress Foundation is the non-profit counterpart to the for-profit company Automattic.
Automattic, as we know, is the company that currently owns Tumblr.
Now, the thing about Wordpress.org (not to be confused with Wordpress.com) is that it's very, VERY popular amongst small businesses. Not only can you build a fully-customizable website with relative ease, you can also add an online shop using another Automattic product: Woocommerce.
Not too long ago, I noticed a new feature was added to Woocommerce: A button next to each Woocommerce product which allows you to Blaze them to Tumblr right from the comfort of your dashboard:
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This is what I get when I click that little "Blaze" button...
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As someone who understands these tools, I understand the potential implications of these features:
The Blaze feature is basically an up-and-coming ad campaign system that's directly integrated with Woocommerce websites, which I think is the first ad marketing system of its kind. You don't have to log into a social media account to advertise your products, use a second-party integration, or even pay another service to manage your social media ads. It's all baked right into your business's website.
THIS is their planned money-maker, folks, not the rainbow checkmarks or crab armies. And the reason why Automattic would do this kind of thing is simple: Businesses are wealthier than individuals. By implementing a B2B service, Automattic can make more money off of Tumblr than user subscriptions and shoelaces will ever provide.
It's all the same song and dance. Businesses can now shove more ads into your face in a new, convenient fashion. It'll be ads that don't look like ads disguised amongst ads that do look like ads, just like it is with Facebook, TikTok, Instagram, and literally every other marketing media service that calls itself a "social" media.
(Tumblr's new video feature? My guess is that it's there to prepare for video-format Blaze campaigns. Influencer-style videos are the only kind of ad format Gen-Z is receptive to, which is why you're suddenly seeing videos on every platform.)
All they really gotta do now is make Tumblr look appealing to the normies so they can draw in a userbase that isn't trying to escape the onslaught of commercialism that plagues other sites.
Tumblr is one of the last true social medias we have; a place where content is made purely for the sake of talking about it. But given the writing on the wall...I doubt it'll stay that way.
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hotdogstandz · 5 months
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My Lust tale. A story following a group of monsters living in a world in which humans and monsters have always coexisted side by side. Sure, everyone is above ground, but that doesn’t mean everything is easy. In this world, monsters face extreme classism, racism, and just general systemic oppression from the government. This story specifically follows the lives of a suffering but strong community of monsters doing their best to survive in a run-down city with a corrupt system not made for them.
We’ve got the aged-out foster skeleton brothers- drag queen Sans and security/accountant Pax (government name Papyrus) who co-run the hit club, Lust Tales After Dark, located on Snowed In Street.
Directly across from their building is a small rundown cafe run by the lovely Miss Toriel, and occasionally her eldest two children, biological son Asriel (15) and adopted Chara (16). She has another adopted kid, Frisk (7) that the eldest watch frequently as well. Pax and Sans (dubbed Sansy by Frisk) spend most of their off time either with the kids, running rehearsals, or working the food bank that Lust Tales After Dark and Toriels cafe run (along with several other monster owned businesses) for the unfortunate monsters and humans living on the streets in their city.
Chief of police, Asgore is what you could expect. A power hungry, corrupt, and selfish man willing to throw his own family away for the sake of success. I will reveal more about everyone’s dynamic soon enough.
Last bit….and I want you all to REALLY look me in the face and listen to every word I’m about to say.
DO. NOT. SEXUALIZE. ANY. OF THE CHARACTERS. WHO ARE. MINORS.
This is a story meant to raise awareness for real life problems. I am planning on using this series to educate younger people in this fandom about safe sex practices, consent, and the wide variety of sexualities, as well as SA, domestic violence, and STD awareness. As someone who read the original comic as a young teen, it was incredibly damaging and confusing. So, this is meant to be used as a tool. A comfort. Lust and sexuality can be really really scary for some. I hope to make it less scary. More educational and lighthearted.
If your intention is to come on my page and twist my content into what the original LustTale was or draw harmful art that you KNOW could damage someone, get the FUCK off my page. Unkindly.
That’s all :] thx for reading bbys
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alwaysmicado · 10 months
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Trouble
5.3k | 18+ MDNI | fwb!Joel Miller x f!reader | pt. 5
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Warnings: no outbreak AU, implied age gap, D/s dynamic, rough oral (m receiving), spitting, cum eating, leg humping, degradation/praise, humiliation kink, pet names, aftercare, feelings Summary: After you’ve distracted Joel from work with your explicit texts all day, he decides to teach you a lesson.  A/N: Consensual degradation & humiliation – my beloved. This one's for you if you're into unadulterated filth with feelings sprinkled on top hehe. Let me know what you think, I love hearing your thots! 🤍
pt. 1 ・ pt. 2 ・ pt. 3 ・ pt. 4 ・ series masterlist
“You sure you got nothing else to say to me?”
“I’m—sorry?”
“No,” he tilts his head and you see the hint of a smirk tugging at his lips. “But you will be when I’m done with you.”
---
“Sneaking out for a hot date?” 
Busted. 
You sigh and turn around to face Kristen’s triumphant grin. Beautiful Kristen. The only person at your job with a bearable personality. 
If you only had Janice from accounting and her incessant yapping about her feral kids, or John from HR and his never-ending tirades against “modern women”, you probably would have burnt down the building already.  
Kristen’s been your lifeline over the past two years at this job. She’s upbeat, fun, a gifted painter and the closest thing to a female friend you have. 
Her only flaw: she’s so nosy it’s not even funny.
After your get-well-fuck with Joel three days ago where he left multiple marks on your neck, you not only plastered a bunch of foundation over the purple reminders of his fever-fueled nipping, you also wore a silk scarf which, in hindsight, was a dumb idea.
The first thing you were welcomed with when you came in that morning was an enthusiastic “You go, girl!” followed by giggling after Kristen saw your unimpressed face. 
You shoot her a half-hearted smile and raise an eyebrow. “Who says it’s a date?” 
Kristen’s grin widens. “Oh, come on! You think I don’t notice the way you giggle at your phone like a lovesick idiot?”
“Oh, shut up,” you protest in mock offense. What the hell is she talking about? You don’t do that. “I got a doctor’s appointment. Nothing hot about that,” you say nonchalantly.
Kristen leans in, lowering her voice dramatically. “A doctor, huh? Do you have an ache only he can cure with his special tool?”
“You’re a pervert, you know that?” 
“Yeah, duh. That’s why you love me,” she chuckles, causing the corners of your own lips to twitch. 
“Well,” she smirks, “I hope the doctor will take the best care of you.” 
You roll your eyes at her teasing, grab your bag and blow her a kiss before heading out. You leave the office with a grin, reveling in the sunshine that greets you when you step out.
The warmth of the day feels refreshing against your skin as you stroll to the parking lot. Your dress, despite being a result of prolonged laundry procrastination, is surprisingly comfortable, allowing you to appreciate the light breeze that rustles its fabric. 
The sun casts a golden hue on the cityscape and you can't help but smile at the small pleasures of life – the sun on your face, a staff meeting getting canceled earlier, finding twenty bucks in an old pair of jeans this morning.
Life is okay at the moment.
Despite work kicking your ass, your mother trying to guilt-trip you into coming “home” and the last hookup you had throwing you out in the middle of the goddamn night because his wife came home from her business trip early.
You’re feeling good. 
One might even say you’re happy.
If only there wasn’t this nagging feeling in the pit of your stomach.
You take a deep breath and straighten your shoulders when you see your Uber pull up. Get yourself together. 
The car winds through the city streets, and as you give Joel's address to the driver, you can't help but feel a flutter of anticipation. The engine hums softly as you navigate the familiar turns, presenting the perfect background to lose yourself in a daydream.
As you settle into the comfort of your bed, the world outside fades away. In the gentle embrace of your imagination, you feel a figure appear behind you. Their warmth is a soothing balm, and as they pull you close, a profound sense of security envelops you. The weight of the world, of your being lifts, replaced by the tender reassurance of this ethereal embrace.
In this imagined sanctuary, sleep finds you easily, cradled in the arms of solace. The whispered promise of warmth and safety lingers, allowing dreams to unfold like petals, undisturbed and serene in the soft glow of moonlight.
The notification sound of your phone pulls you back to reality. Glancing at the screen, you see Joel's name. You open the message and involuntarily press your thighs together, your pulse quickening instantly. 
Door’s open. Get naked, then come upstairs.You’re in real trouble, angel.
---
The familiar scent of Joel’s home greets you when you step inside. It smells more like home than your apartment or any other place you’ve lived in since you were a child. Safe, warm, comforting – like its owner. And it’s a surprisingly well-decorated and welcoming home for a bachelor.
So much so that you asked him flat out if he had a wife on your first night together.
You take your shoes off and put your bag on the couch in the living room before heading to the downstairs bathroom to wash your hands and quickly check if you look presentable. Your eyes are a bit swollen from lack of restful sleep, but other than that, you’re good to go.
As you take your dress, bra and panties off, you somewhat fondly remember the last time Joel ordered you to his home because you were sending him filthy texts and photos while you both were at work. 
You spent thirty minutes sitting still on his lap while he worked on his computer, his throbbing cock buried deep inside you. Every time he would shift in his chair a little, you would whimper into the crook of his neck and he would whisper into your ear how well you were doing for him and draw soothing circles on your back with his palm.
You hated and loved every torturous second of it. 
The office door is open when you come upstairs. Your eyes widen when you see Joel sitting at his desk. It’s incredible how handsome he looks. He’s wearing a black t-shirt, blue gym shorts and his glasses as he’s staring at the computer and typing something with his index fingers.
Your heart starts beating faster as you take him in, the domesticity of this scene giving you an unexpectedly warm feeling deep within you. 
“You just gonna stand there and stare at me?” Joel asks with a swivel of his chair, his body now facing yours. He saw you out of the corner of his eye before but now that he’s getting a good look at you, his jaw almost hits the floor.
He will never get used to seeing you naked. 
“God, you’re so much more beautiful in real life,” he murmurs, his pupils blown wide and the admiration in his voice unmistakable.
You give him a satisfied smile as you lean against the doorframe. “I sure hope so,” you tease. 
“Do you know why you’re here, darlin’?” Joel asks with a tilt of his head, his brow slightly furrowed.
“I’m assuming it has something to do with the silly little texts and pics I sent you to brighten up your day,” you say, feigning innocence. “Did you like them?” 
“You really think now’s the time to be a brat, huh?” He chuckles and shakes his head. “Alright, then.” His eyes sparkle dangerously as he sits back in his chair and spreads his legs wider.
“You sure you got nothing else to say to me?”
“I’m—sorry?”
“No,” he tilts his head and you see the hint of a smirk tugging at his lips. “But you will be when I’m done with you.”
You bite your lip as your eyes focus on the visible bulge in Joel’s shorts, and try to suppress the huge grin that’s threatening to spread across your face. This is exactly what you wanted and you both know it.
“Hands and knees, baby,” Joel orders calmly and puts his hands on his thighs. “C’mere.”
You lower yourself on all fours without hesitation and crawl towards him slowly, making sure to sway your hips and never break eye contact. Joel’s the only person you’d put yourself in such a submissive position for and you revel in the exhilarating feeling it gives you.
Joel keeps his eyes trained on you, subtly rubbing his thighs as you come closer to where he’s needed you all day. His eyes are dark and full of need as he licks his lips and follows the mesmerizing movement of your body. He likes how you, despite your brattiness, know perfectly well where your place is. 
“Look at what you did,” he says, once you’re kneeling on all fours between his spread legs. He palms his throbbing cock over the fabric and your eyes widen a little, your pussy clenching around nothing.
“That's right, baby, you did this. And now you need to take responsibility for your actions.” He gently caresses your cheek, tracing your lips with his thumb.
When he presses on your lower lip, you instinctively open your mouth enough for his finger to slip inside. He presses on your tongue, admiring the feeling and your willingness to submit.
“Look at you,” he chuckles, gently rubbing his cock. “Such a little slut, always wants something in her mouth.”
He moves his thumb further along your tongue, causing you to furrow your brow and gag a little. “You couldn't help yourself, huh, just had to put on a show all day like the needy whore you are.” 
He takes his thumb out of your mouth and pulls his shorts all the way down, letting them fall on the floor next to his chair. His heavy cock flops against his lower belly, causing you to swallow and part your lips instinctively. Joel smirks at your reaction, enjoying the raw need sparkling in your eyes as he strokes himself slowly.
You start squirming, pressing your thighs together to alleviate at least some of the uncomfortable ache between your legs, and let out an almost inaudible whine as Joel continuously strokes up and down his length while looking at you curiously. 
He leans in and tilts your chin up, his dark eyes boring into you.
“That’s it, isn’t it?” He asks softly, feigning concern. He looks from you to his cock and back, raising an eyebrow. “All of this just because you’re a pathetic little cockslut with nothing else in her dumb little head than my cock. Isn’t that right, angel?”
You nod slowly, your lips slightly parted, hypnotized by Joel’s big eyes and filthy words.  
“Use your words, slut,” he growls, gripping the back of your neck to tilt your head up even more. 
“I just—wanted you so bad, I–” 
“Aww, of course you did,” he teases you, a small smile tugging at his lips. “Tell me your safeword, angel.” 
He looks into your eyes intently as you say it out loud, then puts a soft kiss on your lips. You whimper when he withdraws, the feeling of his warm lips lingering. 
“Open up,” he orders with a tap of his fingers to your bottom lip. “Stick your tongue out for me.” 
You obey and do as he says, looking into his eyes expectantly. You watch in awe and pure need as the thick glob of saliva makes its way down from Joel’s mouth and lands on the back of your tongue. A shiver runs down your spine as you feel it run down your throat. 
“Swallow.” He gently puts a strand of hair behind your ear as you show him your empty mouth. “Good girl.”
You moan softly at his praise and furrow your brow when your eyes find his cock again. 
“You really want it, huh,” Joel purrs, trailing your neck and chest gently with his hands. When he brushes your nipples, you wince a little, eliciting a low chuckle from him. “Spread your legs, baby. Let me see your little pussy.” 
He sucks in a sharp breath, his cock twitching impatiently when you sit back on your heels and present your glistening folds.
“Fuck me,” he murmurs, tracing your belly all the way down to your mound and stopping right before touching your clit. “Must’ve been uncomfortable to sit in that all day, hm?” 
He gently pulls your lips apart with his thumbs and index fingers, inspecting you closely. “Your little clit is so swollen, baby, does it hurt?” 
“Mhm,” you whine, his touch so close to your neglected bundle of nerves torturing you beyond belief. “It–it hurts so bad, Sir.” 
“Hmm,” he searches your eyes, “and that’s why you thought it was a good idea to send me all those naughty messages?” He spreads your lips apart further, eliciting a long moan from you. “You thought I’d fuck you if you did?”
“Y–yes,” you stammer, your legs trembling, “I’m sor–”
You’re cut off when Joel lets go of your lips and swipes his fingers through your dripping wet folds agonizingly slowly, once, twice, three times, barely brushing your pulsating clit. 
Listening to the noises you make and feeling your hot cunt on his hand is enough to make him almost come, despite his cock not having any contact at the moment. His eyes never leave yours as you whimper desperately, his barely there touch enough to build your long overdue orgasm.
“Go on, angel,” he withdraws his hand and holds his hand up to your lips, “clean up the mess you made.”
He pushes his wet fingers into your mouth, forcing you to suck your own juices off of him. You do so eagerly, sucking and licking his fingers, moaning around them. 
“You would’ve sucked my cock in front of everyone if I had let you, huh.” You let out a desperate moan, feeling your pussy get wetter at the thought. “That’s right, baby,” Joel chuckles. “Show everyone you’re my little cockslut.”
He pulls his fingers out of your mouth, satisfied with the job you did, then grabs your chin hard, his wet fingers pressing into your hot cheeks.
“You want it so bad, baby? Then beg for it.” 
“Please,” you whine. “Please let me suck your cock, please, I–I want your cock so bad—”
“All yours, baby.”
He leans back in his chair, clasping his hands behind his head, looking at you through lidded eyes. 
“Fuuuck, that’s it,” Joel groans as you start licking and sucking at his balls, then lightly trace the veins of his cock with your warm tongue, swirling it around the tip, licking up the salty precum. You look at him expectantly as you lick up and down his length, fondling his balls with your hand. 
He smiles at the needy look in your eyes, finding it unbelievably hot that you want to, need to hear his praise so badly even though it’s obvious that everything you do to him is and feels beyond perfect. 
“Good girl,” he says softly, eliciting a little whimper from you. “Now stop teasing and take it.”
You immediately hold him up by the base and take the tip into your mouth, sucking on it eagerly. You take him further, inch by inch, bobbing your head up and down his shaft until he’s nudging the back of your throat. Your eyes well over with tears as you gag around his cock. Joel groans in response, his whole body tensing as he tangles his hands in your hair.
You make a surprised sound when he leans over you and pushes your head down until your nose is rubbing his pubic hair, giving you no chance to move your head. He keeps his length buried deep inside you for a few seconds before pulling you up, a thick string of saliva mixed with precum connecting you two, only to push you right back down.
“Fuck, I love the sounds you make,” Joel pants as you choke and whine loudly. 
He pulls your head back up to let you catch your breath and make sure you’re enjoying yourself as much as he is. He knows from the look in your eyes that you are, but he wants to make sure before you continue. 
“What’s your color, angel?” 
You look at him with bleary eyes, but give him a dazed smile and whisper, “Green.”
Joel nods and caresses your wet cheeks, wiping away some of your tears with his thumbs. 
He traces your swollen lips with the head of his cock, loving the way his precum sticks to them. 
“Breathe through your nose, baby,” he pants. “Can’t have you passing out on me.”
You wrap your lips around his head, swirl your tongue around it, then bob your head again – messily, sloppily, just the way he likes it. 
“Good girl,” he breathes, thrusting his hips to slide in and out of your mouth, smiling at you and petting your hair. “Such a perfect little fleshlight.”
You tremble and moan around him, not entirely sure if his filthy mouth, his groaning, or the fact that he’s using you for his pleasure  is turning you on the most. You just know you love it when he holds your head steady and fucks your mouth roughly, taking what he wants from you, making you gag and choke, saliva and tears running down your cheeks, chin, neck, and body.
You look like a masterpiece. 
“I’m close, baby,” Joel pants, your perfect, wet mouth and the admiration he sees in your big, wet eyes making him tremble every time he thrusts his hips into you. You push him right over the edge when you squeeze his balls hard. 
He comes with a strangled groan, shooting rope after rope of warm cum down your throat and onto your tongue. You welcome it with eager moans, so far gone that you don’t realize what you’re doing until after it’s too late — you swallow it all without his permission.
Fatal mistake. 
Joel grabs you by your hair, pulling you off his pulsating cock, still breathing heavily.
“What the fuck do you think you’re doing, huh?”
Your eyes widen in shock, your lip quivering. “I–I'm sorry, I–I forgot.”
“You forgot?” Joel sighs and raises his eyebrows. He loosens his grip in your hair and looks at your eyes welling up with tears. You stumble over your words as you keep apologizing over and over again. You’re so perfect like this. 
“What’s your color, baby?” 
“Green, Sir,” you sniffle. “It’s green.”
“Now what am I supposed to do with a fleshlight that doesn’t work right, hm?” He tilts your chin up and rubs it softly with his thumb. “Do you think you deserve to get fucked?”
“I’m—please, I'll be good, I promise,” you choke out through tears and hiccups. “Please, I’ll do anything you want, just please—”
Joel smirks and leans back in his chair. “No need to tell me that, angel. I know you’ll do anything.” He lifts his foot between your thighs, eliciting a small, needy noise from you when he presses it against your swollen cunt.
“You’re so fucking wet, baby. All from being used, hm?”
“Yes, Sir,” you whine, wiping your cheeks and trying your hardest to stay still. “Thank you.”
“Such a pathetic little slut.” He rubs his foot against your folds, and you moan, closing your eyes, your lips trembling, your face hot from embarrassment and arousal. Joel presses harder and you cry out, your hips jerking instinctively. 
“Pathetic enough to hump my leg?”
He snorts when he sees the stunned look on your face. You are definitely startled, but you don't protest. Joel can see a mix of hesitation and need in your eyes, and he understands that he needs to push you.
“I’m not going to fuck you,” he says, gently petting your hair, “so you better thank me for letting you come at all.”
He sighs and pulls your head back by your hair when you don’t answer fast enough. 
“Use your words, slut.”
“Th–thank you,” you whimper. “I–I just–” You trail off, too shocked and embarrassed to finish your sentence, your voice trembling as you babble unintelligibly.
You hear Joel say your name and feel him cup your cheeks. “Look at me, sweetheart.”
You sniffle and try to focus on his eyes. “Tell me your color,” he says gently, his deep voice soothing your nerves. 
“Still green,” you breathe, swallowing hard. 
He searches your eyes and nods before sitting back up and extending his leg a little.
“Go on, then.”
You look at the satisfied smirk on his face before taking a deep breath and scooting forward, adjusting yourself against Joel’s leg. Gripping Joel’s thigh for balance, you tilt your hips forward until your clit makes contact with his hairy leg. You shudder at the feeling, a needy little moan escaping your lips. 
Joel’s pupils are so blown, his eyes are completely black now. 
You slowly drag your hips upward and duck your head, embarrassed that you’re actually enjoying this – and that you’re this wet. After slowly rocking your hips up and down a few times, you can’t keep yourself from moaning anymore. It feels to fucking good.
You shift a little and allow yourself to set a pace that will make you come. You nuzzle your face against Joel’s thigh and don’t hold back anymore, rutting against his leg with abandon, chasing your release. 
“That’s it, angel,” Joel purrs, gently brushing a wet strand of hair out of your face. “You’re doing so well for me.”
You rock your hips against his leg over and over again, your brows furrowed, whimpering desperately as you grind your wet folds against Joel’s leg, the friction causing your whole body to shudder.
Joel fucking loves seeing you like this; pliant, obedient, wanting to be good so badly that you’d do anything to please him. Most of all, though, he loves how much you trust him. 
“You’re such a good girl,” he praises, tilting your chin up to look into your glazed over eyes. “My good girl.”
You moan at his words, your fingers digging into the flesh of his thighs, your hips jerking frantically, desperate for release. Joel smiles softly at your reaction, reveling in the fact that he's ruining you for anyone else.
He fucking delights in it.
“That’s right, angel. Keep looking at me with those beautiful eyes.”
You barely hear what he says as your breathing comes out in noisy, deep gasps, too far gone, too overwhelmed to feel embarrassed at fucking yourself on Joel’s leg. There are no thoughts left in your brain, your only focus now is chasing your climax.
“Feels good, huh? Such a spoiled brat, aren’t you,” he taunts, marveling at your blissed out expression and the sheen of sweat glistening on your naked body.
“You think you deserve to come, hm? Even though you’re just a dumb little whore, only good for taking my cock in all her holes?”
That’s almost enough right there to tip you over the edge. 
“Tell me what you are.”
You let out a choked sob, fresh tears making their way down your cheeks. Joel wipes them away with his thumbs as you stutter, “I’m–I’m your dumb little whore, Sir. I’m all yours — please, please–”
He gives you a warm smile as his dark eyes bore into. “Come for me, angel.”
You press your throbbing clit hard against him, humping his leg feverishly until the tension finally snaps and shockwaves grip your whole body, your legs trembling as you moan uncontrollably. Your walls contract around nothing as you collapse onto Joel’s thigh and start sobbing.
It’s all too much right now. 
He immediately draws you into his strong arms, lifting you up and cradling you. “Shh, sweetheart,” he purrs, holding you tight and stroking your hair, “you did so well. Are you alright, hm? You want me to go get you a towel?”
Your eyes widen at the suggestion of him leaving you, causing you to shake your head fervently, your tears flowing freely now as you gradually come down from your high. 
“Shh, it’s okay, baby” he coos, putting soft kisses on the top of your head and rubbing soothing circles on your back. “I’m not going anywhere.” 
You're still naked and Joel wants you to feel comfortable and warm, so he swivels you two towards the couch to snag the blanket and drape it over you. He holds you close, whispering into your hair how well you did and how good you are, intermittently pressing soft kisses on your wet face. 
You feel the steady rise and fall of his chest with each breath, a comforting rhythm that wraps around you like a protective cocoon. The warmth emanating from his body seeps into yours, making you feel calm and protected. 
Joel’s not surprised that you need physical affection and closeness right now, knowing that humiliation is one of the most effective ways to make you fly – and crash.
Falling apart in front of somebody, allowing them to see you in such a raw, uninhibited state, is an incredibly vulnerable act.
Joel is not taking your trust lightly. 
When he sees you wipe your nose with your arm, he swivels you back to his desk and opens the drawer to get you some tissues. Your heart skips a beat when you see what else is inside, but you keep quiet. 
“Was I really good?” You mumble after listening to Joel’s calming heartbeat for a few minutes.
“You were perfect, baby,” he says softly, pressing a tender kiss on the crown of your head. 
“So, can you fuck me now?”
The vibrations of Joel’s chuckles reverberate beneath you, making you laugh yourself. 
“How about we make sure you drink enough and eat something first, hm?”
“Just say that your refractory period is getting longer, old man.” 
“Why, hello,” he laughs and pinches your sides, making you squeal, “the princess is back.” You lift your head to look into his eyes. His beautiful, warm eyes. “You think I’ll fuck you if you keep being a brat, hm?” 
“That’s exactly what I think. Because you always do. Because you love it.” 
“Wow,” he chuckles and shakes his head. “All this just now and you’re still sassing me?”
“Just admit you fucking love it, so we can move on and decide what we wanna have for dinner,” you murmur. 
Joel can’t hold back the beaming smile that’s spreading across his face.
Save for last time, you usually leave shortly after you’ve come down. He’ll sometimes ask if you want to stay a bit, but will never pressure you into doing so – even if it hurts him. 
And it does, sometimes, if he’s being honest. 
“Alright, alright,” he sighs deeply, his smile betraying his mocking tone. “I fucking love it when you’re a little brat and torture me all fucking day, making me sit in a fucking meeting for hours on end with a hard cock, listening to some rich fucks who want me to build some bullshit building for them.” 
You giggle at the description of his day and kiss his dimple. “I really am sorry, you know.”
“No you’re not,” he shakes his head. “Now, what are you in the mood for?”
“Can we, um, can we go eat the fattiest, unhealthiest junk food ever and then wash it down with huge cups of pure sugar, so we’re both gonna have a stomach ache for the next three days?” 
“Have I ever told you you’re perfect before?”
---
You step out of the shower, dry off, wash your face with Joel’s face wash and drink a glass of water. Joel put your bag outside the door when you were in the shower, giving you space to do your thing and going downstairs to take a shower there himself.
You’re kind of tired now, feeling a little burnt out.
You put on your panties and retrieve the comfy gym shorts you were smart enough to bring with you from your bag. They’re the only other clean piece of clothing besides the dress you could find in your drawer this morning.
“Joel?” You shout from the top of the stairs. 
“Yeah?”
“Can I borrow a t-shirt?” 
“Sure, darlin’. Just grab one you like.” 
“Thank you.” 
You smile and make your way to Joel’s bedroom. Opening the drawer, your eyes fall on a white shirt you’ve seen him wear many times. Don’t do it. You sigh defeatedly and lift the shirt up to your face, inhaling the unmistakable scent. 
Then you suddenly remember it. Fuck. You need to make sure. 
You put on the shirt and quickly walk to the office. Taking a deep breath and making sure Joel’s not watching you snoop through his things, you open the drawer. 
The polaroid feels strange in your hand as you lift it to take a closer look. 
It’s one of Tommy, you and Joel in it, from the night Tommy introduced you two. You don’t even remember taking this one, but now that you’re looking at it, you see something. It’s the way you’re smiling.
You turn the photo and read the handwritten note that catches your eye. 
when I met her
You swallow hard and put it back. It doesn’t mean anything. You hung the other polaroid, the one of only you and Joel, up in your apartment and that doesn’t mean anything either—right?
“Babe?” Joel’s voice pulls you back.
You turn around and look at him, startled. “I, uh, was just looking for some batteries. Couldn’t find any though.” 
“I got plenty downstairs,” he says with a tilt of his head. “Come on, let’s go.”
---
You’re sitting in a booth, munching on your burger, intermittently sipping your soda. You don’t even realize you haven’t answered Joel for the third time. 
“Are you sure everything’s okay, sweetheart?” Joel touches your arm, his brow furrowed. You look at his concerned face, his cute little frown, before putting down your burger with a sigh. 
“I, uh,” you start but can’t think of the right words. “I’m just feeling a little off these days, I guess. Work’s been stressful and, um, you–you’re gonna think I’m weird,” you murmur while picking at the fries on your plate. 
“Darlin’,” Joel sighs, taking your hand into his, “you’re the weirdest person I’ve ever met.” He chuckles when he sees your offended face. “And I wouldn’t change a thing.”
He rubs the back of your hand softly and searches your eyes. “You know you can tell me anything, right?” 
“It’s, um,” you clear your throat. “Do you ever get this feeling that there’s something looming?”
He tilts his head and looks at you curiously. “I’m not sure I follow, darlin’?”
“Like if you’re happy, do you ever feel like it’s not real, it can’t be real, and there’s something looming? Like there’s something just waiting to fuck everything up?” 
When he doesn’t answer, you avert your gaze and try to withdraw your hand. “I’m sorry, I’m killing the vi–”
“No, sweetheart. Hey, c’mere.” He extends both of his hands to you on the table and you give him yours to hold. “I’m sorry, darlin’,” he murmurs, “your question just caught me off guard a little.”
You softly rub his hand with your right thumb and study his features. He looks gorgeous with his tousled hair and his big cow eyes.
“Look, I know that happiness is hard to accept sometimes because we’re afraid of it not lasting. It may even seem easier to sabotage it preemptively, so we’re not disappointed or don’t get hurt when something bad does happen. And I also know that we sometimes don’t think we even deserve to be happy.”
Bingo. 
“But sweetheart, I need you to understand something,” he squeezes your hands gently, his sincere eyes boring into you.
“If anyone deserves to be happy, it’s you.” 
You try your best to blink away the tears that are forming in your eyes.
---
Thank you for reading! 🤍 part 4 || part 6 || series masterlist
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batboyblog · 3 months
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Things Biden and the Democrats did, this week #22
June 7-14 2024
Vice-President Harris announced that the Consumer Financial Protection Bureau is moving to remove medical debt for people's credit score. This move will improve the credit rating of 15 million Americans. Millions of Americans struggling with debt from medical expenses can't get approved for a loan for a car, to start a small business or buy a home. The new rule will improve credit scores by an average of 20 points and lead to 22,000 additional mortgages being approved every year. This comes on top of efforts by the Biden Administration to buy up and forgive medical debt. Through money in the American Rescue Plan $7 billion dollars of medical debt will be forgiven by the end of 2026. To date state and local governments have used ARP funds to buy up and forgive the debt of 3 million Americans and counting.
The EPA, Department of Agriculture, and FDA announced a joint "National Strategy for Reducing Food Loss and Waste and Recycling Organics". The Strategy aimed to cut food waste by 50% by 2030. Currently 24% of municipal solid waste in landfills is food waste, and food waste accounts for 58% of methane emissions from landfills roughly the green house gas emissions of 60 coal-fired power plants every year. This connects to $200 million the EPA already has invested in recycling, the largest investment in recycling by the federal government in 30 years. The average American family loses $1,500 ever year in spoiled food, and the strategy through better labeling, packaging, and education hopes to save people money and reduce hunger as well as the environmental impact.
President Biden signed with Ukrainian President Zelenskyy a ten-year US-Ukraine Security Agreement. The Agreement is aimed at helping Ukraine win the war against Russia, as well as help Ukraine meet the standards it will have to be ready for EU and NATO memberships. President Biden also spearheaded efforts at the G7 meeting to secure $50 billion for Ukraine from the 7 top economic nations.
HHS announced $500 million for the development of new non-injection vaccines against Covid. The money is part of Project NextGen a $5 billion program to accelerate and streamline new Covid vaccines and treatments. The investment announced this week will support a clinical trial of 10,000 people testing a vaccine in pill form. It's also supporting two vaccines administered as nasal sprays that are in earlier stages of development. The government hopes that break throughs in non-needle based vaccines for Covid might be applied to other vaccinations thus making vaccines more widely available and more easily administered.
Secretary of State Antony Blinken announced $404 million in additional humanitarian assistance for Palestinians in Gaza, the West Bank and the region. This brings the total invested by the Biden administration in the Palestinians to $1.8 billion since taking office, over $600 million since the war started in October 2023. The money will focus on safe drinking water, health care, protection, education, shelter, and psychosocial support.
The Department of the Interior announced $142 million for drought resilience and boosting water supplies. The funding will provide about 40,000 acre-feet of annual recycled water, enough to support more than 160,000 people a year. It's funding water recycling programs in California, Hawaii, Kansas, Nevada and Texas. It's also supporting 4 water desalination projects in Southern California. Desalination is proving to be an important tool used by countries with limited freshwater.
President Biden took the lead at the G7 on the Partnership for Global Infrastructure and Investment. The PGI is a global program to connect the developing world to investment in its infrastructure from the G7 nations. So far the US has invested $40 billion into the program with a goal of $200 billion by 2027. The G7 overall plans on $600 billion by 2027. There has been heavy investment in the Lobito Corridor, an economic zone that runs from Angola, through the Democratic Republic of Congo, to Zambia, the PGI has helped connect the 3 nations by rail allowing land locked Zambia and largely landlocked DRC access Angolan ports. The PGI also is investing in a $900 million solar farm in Angola. The PGI got a $5 billion dollar investment from Microsoft aimed at expanding digital access in Kenya, Indonesia, and Malaysia. The PGI's bold vision is to connect Africa and the Indian Ocean region economically through rail and transportation link as well as boost greener economic growth in the developing world and bring developing nations on-line.
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nathaslosthershit · 4 months
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Time Flies (slowly) [LN4]
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(Read part 1 here) Summary: Years later, Lando hasn’t forgotten about the one that got away. A/N: here is a happy ending after all the angst in part 1
There was so much anger and resentment, so much hatred, after the breakup. Lando's now ex-girlfriend had graduated medical school. What was supposed to be one of the happiest days of her life was overshadowed by the overwhelming feeling that the one person she wanted there with her, the man who had stayed by her side (even while across the world), wasn’t there. 
But she was too proud to reach out, as was he. As Lando stalked her private instagram on one of his spam accounts she forgot to remove from her following, he felt the urge to call, or even just text a simple “congratulations, I am still unequivocally in love with you by the way”. Maybe that was too much though.
With a career like hers, she wasn't out of the clear once she graduated, she still had what felt like millenia left of training to do. So she threw herself into her career. She didn’t want to think about her ex, so she didn’t give herself time to think. 
That worked for a while. Two years went by and she had been on top of her game. Training to work as an ER nurse had been difficult but rewarding. At first, only months after the breakup, she had a hard time but her philosophy of “working so hard you are too tired at the end of the day to think about how you lost the love of your life” had done her good for a while. 
But, she had started to slowly fray at the edges. Sleeping just enough to sustain her but not enough to make her feel rejuvenated. Eating small meals to get her through the day but not enough to feel full. She thought she could get through it.
It wasn’t until she had a 22 year old that had gotten into a racing accident that she really realized how bad she had been feeling. All of the feelings she had been pushing down immediately came charging back up when she saw a tanned boy with curly brown hair. As she helped give him the medical care he needed, she kept reminding herself of the same thing, it's not Lando, Lando is okay, it's not Lando, Lando is fine. It wasn’t until she had tipped a cart full of sterilized tools over that she realized how much she was shaking. One of her coworkers, another nurse on her floor, had to drag her away while she insisted she was fine. She continued on, or at least tried to, until she had made a few too many minor mistakes and was forced to go home. 
Walking into her flat, she made it just a few steps before she broke down. Exhaustion took over and she was unable to even get up after she cried herself to sleep right on the rug. Hours later she had finally gotten the energy to shower and then rot in bed. After what felt like eternity of  staring at the ceiling, she grabbed her phone, hovering over the call button on Lando’s contact that she had been so unable to block, much less delete, over the past two years. 
At what felt like rock bottom though, why not start digging some more?
Pressing the call button, she started to panic, wondering what she would say, till she finally heard his voice for the first time in years. “Hey, this is Lando, pretty busy at the moment, leave a message at the beep!” Voicemail. She had gained confidence for the first time in years and she was sent straight to voicemail. 
It was loud in the club Lando was in. He had started off the night with friends at a nice restaurant and after enough drinks had been passed around, drinks that he declined, they ended up at the club they currently were in. Most of his company was off with their significant others, or dancing with people he just met, while Lando was sitting and talking to a woman who had confidently approached him earlier.
He didn’t feel the phone vibrating in his back pocket when he had his arm around her as they made small conversation. It wasn’t until he started to get nauseous from the smell of alcohol everywhere that he went to the bathroom to check his phone, seeing he had missed a call from the person he thought about the most, even after years apart. 
Since the breakup, Lando had been a mess. It wasn’t his idea to break up. They had issues that they definitely needed to fix, issues they should have talked through instead of letting them snowball for so long, but it shouldn’t have ended the way it did. The minute they hung up those years ago he wanted to call her right back- no, he wanted to book a fight and see her immediately. 
Maybe it was the hope that had ignited in him for the first time in forever, maybe it was the second hand intoxication from being in a club full of drunk people, but Lando pressed call back, praying to hear her voice.
She had had enough time to realize that calling him years after she broke up with him was a stupid decision to make, so of course after it got declined she turned her phone off for the night. She didn’t have anyone else who would contact her anyway.
Because of this, she missed the first call Lando made, then the next seven. It was like an addiction he quickly picked up. After that sliver of hope came back, he couldn’t stop the thoughts that crept in. 
He thought it might have been a mistake on her end, she did ignore the rest of his calls- scratch that, the line was immediately cut the moment he tried to call back. 
But the little voice in his head kept saying ‘try again, maybe she will pick up, maybe there is hope’.
He didn’t sleep the rest of the night. He didn’t sleep the most of the next night either, not till he gave into the voice in his head and bought a plane ticket. 
As Lando sat on the flight, his mind ran through some of his favorite memories over their relationship, then, once those ran out, he imagined what it would be like when he showed up on her doorstep once more. He’d have a lot to explain, like why he was suddenly on her doorstep of her new apartment he had no actual reason to know the address to, something he was given by a good mutual friend who was very tired about hearing both sides moaning about how single they were.
It was all a blur as he landed and swiftly ran through the airport. He hadn’t packed more than an overnight backpack, deciding if this went horribly he would immediately go home to mop around, and if it went amazing he’d figure something out.
Standing in front of her doorstep now, he quickly knocked before he lost all remaining confidence. 
“Lando? What the fuck?” Was all she was able to get out. She would have felt insecure about how disheveled she looked if the man standing in front of her didn’t also look just as terrible. 
“I know, I know. This makes no sense, I have no reason to be here, and it's weird that I know your address.” He replied, correctly guessing every question she had but not giving a single answer to any of them. 
“At least you are self aware.”
“I had to see you, it was genuinely ruining my life. After you called and I missed it, I tried calling back for hours. I didn’t sleep, I couldn’t sleep because all I could think about was why you called. If you had needed help, if it was a buttdial, or if you finally wanted to speak to me as much as I needed to speak to you after these few years. It's so strange feeling so many feelings for someone you broke up with too long ago to still be in love with. That relationship- our relationship was so far from perfect, long distance was too hard for either of us so instead we just phoned it in and stopped trying. But I just really miss you and I really want to make this work.”
This was crazy, both of them realized. Crazy of him to travel to another country after missing one phone call, crazy to have hope after years of silence on both ends, crazy to think that they could mend a relationship they both had let fall apart without giving it a fighting chance. But this was that fighting chance, this was the moment that could make or break them.
But she didn’t have anything to say, she couldn’t think of anything to say. So, when she pulled him by the collar and kissed him harder than he had ever been kissed, she hoped that he got her message.
It would be a long road to recovery, but it would be worth it.
Tagging: @eviethetheatrefreak, @96jnie, @youreverydayfangirl, @jxnellat, @eringaitskill, @slytherinholland
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blubberquark · 7 months
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Auto-Generated Junk Web Sites
I don't know if you heard the complaints about Google getting worse since 2018, or about Amazon getting worse. Some people think Google got worse at search. I think Google got worse because the web got worse. Amazon got worse because the supply side on Amazon got worse, but ultimately Amazon is to blame for incentivising the sale of more and cheaper products on its platform.
In any case, if you search something on Google, you get a lot of junk, and if you search for a specific product on Amazon, you get a lot of junk, even though the process that led to the junk is very different.
I don't subscribe to the "Dead Internet Theory", the idea that most online content is social media and that most social media is bots. I think Google search has gotten worse because a lot of content from as recently as 2018 got deleted, and a lot of web 1.0 and the blogosphere got deleted, comment sections got deleted, and content in the style of web 1.0 and the blogosphere is no longer produced. Furthermore, many links are now broken because they don't directly link to web pages, but to social media accounts and tweets that used to aggregate links.
I don't think going back to web 1.0 will help discoverability, and it probably won't be as profitable or even monetiseable to maintain a useful web 1.0 page compared to an entertaining but ephemeral YouTube channel. Going back to Web 1.0 means more long-term after-hours labour of love site maintenance, and less social media posting as a career.
Anyway, Google has gotten noticeably worse since GPT-3 and ChatGPT were made available to the general public, and many people blame content farms with language models and image synthesis for this. I am not sure. If Google had started to show users meaningless AI generated content from large content farms, that means Google has finally lost the SEO war, and Google is worse at AI/language models than fly-by-night operations whose whole business model is skimming clicks off Google.
I just don't think that's true. I think the reality is worse.
Real web sites run by real people are getting overrun by AI-generated junk, and human editors can't stop it. Real people whose job it is to generate content are increasingly turning in AI junk at their jobs.
Furthermore, even people who are setting up a web site for a local business or an online presence for their personal brand/CV are using auto-generated text.
I have seen at least two different TV commercials by web hosting and web design companies that promoted this. Are you starting your own business? Do you run a small business? A business needs a web site. With our AI-powered tools, you don't have to worry about the content of your web site. We generate it for you.
There are companies out there today, selling something that's probably a re-labelled ChatGPT or LLaMA plus Stable Diffusion to somebody who is just setting up a bicycle repair shop. All the pictures and written copy on the web presence for that repair shop will be automatically generated.
We would be living in a much better world if there was a small number of large content farms and bot operators poisoning our search results. Instead, we are living in a world where many real people are individually doing their part.
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femmefatalevibe · 2 years
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Femme Fatale Guide: How To Master Your Money & Tips On Financial Literacy
Understanding and taking control of your finances improves your quality of life in many ways. Making strides toward better financial literacy can save you a lot of stress, unnecessary fees and helps you play a more active role in taking control over this aspect of adulthood. Once you understand the game of money, saving, and investing, it becomes infinitely simpler to devise a plan to set yourself up for a more financially-free future. Here are some practical tips to keep your finances streamlined, secure, and systemized to help you gain more financial literacy and win in this area of life.
Overview:
Track Your Income & Expenses
Set Financial Goals & Realistic Limitations
Invest Higher-Quality Items To Save Later
Educate Yourself On Different Types of Banking & Investment Accounts
Establish Credit, But Know Yourself
Create An Emergency Fund
Leverage Credit Card Benefits
Understand The Power of A Roth IRA (or Backdoor Roth IRA) & HSA
Automate Whenever Possible
Get Familiar With Taxes & Write-offs
Stay Informed About Employer Benefits
Purchase Seasonally & With Discount Codes (When Available)
Protect Yourself
Read Books
Seek Expert Advice
TIPS ON MASTERING FINANCIAL LITERACY:
Track Your Income & Expenses: Always have a record of all of the money going in and out of your accounts. Use the tool on your banking account app(s) to confirm your monthly income and expenses. Tools like Mint also are great to track your spending to see where every dollar is going all in one place. Aside from personal use, for small business owners, Quickbooks is my favorite invoicing and expense-tracking option. 
Set Financial Goals & Realistic Limitations: Once you know your exact monthly income, budget your essentials, savings, investments, and fun money accordingly. Make sure necessities like rent, food, health insurance, electricity, WiFi, toiletries, etc. are accounted for before anything else. Depending on your financial situation, experts (not me – I try to educate myself as best as I can, but am no expert!) recommend trying to save and invest between 15-30% of your pre-tax income. Give yourself the liberty to spend the rest (say 15-20%) of your income, so you don’t feel deprived and stay on track with your goals.  
Invest Higher-Quality Items To Save Later: Initially purchasing a higher-quality item often cuts your overall expenses in a certain area over the long run. (Ex: Well-made clothing, shoes, furniture, kitchen appliances, coffee maker, hair dryer, etc.). If you invest upfront on an item you regularly use, there’s a lower chance that it will deteriorate, rip, break, or otherwise become unusable for the next few years. When you opt for the cheaper option, this practice might save you a few bucks in the short term, but you will probably end up having to replace it a few times over time and spend more in the long run. This tip might seem counterintuitive to some, but it truly does save you a lot of money (and frustration). However, I will place a caveat here and say that this advice comes from a place of privilege. Never purchase something you can’t afford. If you have the means, spend a bit more upfront - it is better for your future wallet, allows you to indulge in a better quality of life, and helps you let go of any scarcity mindset/financial limiting beliefs. 
Educate Yourself On The Different Types of Banking & Investment Accounts: Know the differences between and the use purpose of different accounts: Checking, Savings, CDs, 401K, Roth IRA, HSA, etc. Always opt for a high-yield savings account option to help preserve your money’s value over time with rising living costs and inflation. 
Establish Credit, But Know Yourself: Your credit score is like your adult report card. It’s essential for so many aspects of life, like renting or buying a home, insurance, cell phone plans, etc., so it’s important to start building your credit as early as you can. However, if you know you’re the type of person to overspend with a credit card, look into secured credit card options (you deposit the money that acts as a credit limit, so it’s like a debit card with credit-building benefits). 
Create An Emergency Fund: Pay yourself first. Have between 3-12 months of expenses available in a high-yield savings account at all times. If you have a family or are self-employed, aim for 6-12 months of necessary savings to stay sane. Saving this amount of money takes time. Be patient, and cut back on frivolous expenses if needed for the short term. 
Leverage Credit Card Benefits: If you have enough self-control, always use a credit card instead of a debit card – but spend in the same way you would as though the money is coming directly out of your bank account. This gives you additional flight and other purchasing perks, such as cashback and exclusive discounts. Using a credit card provides additional security, too.
Understand The Power of A Roth IRA (or Backdoor Roth IRA, depending on your income) & HSA: Compound interest is your best friend financially. Depending on your income, invest as much as you can into a Roth IRA account or set up a backdoor Roth IRA through your brokerage firm (I use Vanguard!). HSA (Health Saving Accounts) accounts offer so many benefits – they can serve as a tax write-off, lower your overall healthcare costs, and be leveraged to use as an additional retirement investment account, too (I use Fidelity). 
Automate Whenever Possible: Automate a portion of your paycheck to savings and your investments, so you never see this money. Pay yourself first before spending (on anything but necessities). 
Get Familiar With Taxes & Write-offs: This mainly applies to anyone self-employed or a small business owner (been in the game for 5 years!). However, this point can also potentially be beneficial for students who can leverage an education credit for tax purposes. Explore all of your options to see what write-offs are available in your specific situation. Understand how your income and expenses influence your tax bracket. Investing in a CPA can save you a considerable amount of money and all of your sanity if you’re not a salaried employee. Look over the standardized section C document, and speak with a professional to help maximize your write-off potential (legally and honestly, of course). My CPA is my lifeline! 
Stay Informed About Employer Benefits: Always maximize your 401K match (whatever percentage that is at your company), any wellness perks (like a gym membership or massage credit), or any meals and car services credits for late nights/work trips. 
Purchase Seasonally & With Discount Codes (When Available): Try to purchase items off-season when you can (e.g. purchase classic winter closet staples in the summer when they’re on sale). Utilize plug-ins like Honey or Cently on your browser to have discount codes for any site readily available. 
Protect Yourself: Stay on top of fraud alerts. Freeze your credit bureau accounts if necessary. 
Read Books: Educate yourself on saving, investing, budgeting, building a business, etc. See the ‘Finance’ section of my Femme Fatale Booklist for some recommendations. I also love Graham Stephan’s Youtube channel – his videos are highly useful and practical for beginners in this life arena! 
Seek Expert Advice: Use licensed professionals (CPAs, brokerage firms, your bank, etc.) as a resource, too, for your personal goals. 
This is a lot to take in, so try to implement one action item (or a few) at a time, so you can work towards your goals without getting overwhelmed. Also, for reference, I’m in the United States, so all of these tips are focused on how the system works in my country - if you know of any international equivalents, feel free to drop them in the comments to guide others.
Hope this helps xx 
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artisticdivasworld · 7 months
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Facts About Factoring That Could Cost You Money
Photo by Mikhail Nilov on Pexels.com Factoring, a financial transaction where a business sells its accounts receivable to a third party (the factor) at a discount, can be a lifeline for businesses in need of immediate cash flow. However, while factoring can provide crucial short-term financial relief, there are aspects of it that could end up costing your business more money than anticipated.…
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