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i want Waterbury Connecticut black mature women Clean and Sober Hello! Kinda bored and don't feel like going to sleep yet.
About me:
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-I love longboarding, music, playing guitar, being outside.
-Gamer nerd :P.
-I guess you can label me as "hipster"?
I'm not skinny but I'm not scarily obese, I work out when I can, and I longboard almost all the time.
I love flying kites.
I just ran out of things to say about myself :D.
Classes are ending soon and I'd like to have someone to hang out with during the summer. I'm looking for a funny guy who's maybe a couple years around my age, preferably older than me and taller than me. I dig white guys :). Sorry, but I prefer white guys. I don't mind if you drink occasionally or socially, but I'd rather you not. And for me, smoking is a turn off, I hate making out with guys who reek of smoke. I'm not looking for anything sexual.. yet. But if there's enough chemistry, then we'll see :P Okay, my nearly died from so many texts. So just email me instead.
Dear black guys, obviously you can't read.
Put one of your hobbies, if you have any, in the subject line :)
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You need to set up a budget that you think is realistic for what you spend based on your lifestyle and the lifestyle you expect. I'm using the retirement calculator in Quicken which seems to take all of the factors into account. One big rule of thumb I've heard is to redo it every year based on actuals. Another one I am considering is on the website:. Anyone used this? Most people advise against figuring it yourself because that would undermine the income to financial advisors .. but it isn't that tough. 119 and im still lookingUnless it's been stated specifiy that the republicans have been ing PPACA Obamacare to be condescending is an assumption. Realistiy, have they labeled it obamacare to associate it with, probably. To feel the need to italicize things, such as "the name of the health care reform we passed two years ago" in an effort to educate me on the subject is just as condescending as you feel ing the healthcare reform act Obamacare. I don't need it, but thank you anyway. I read about PPACA nearly everyday, every week at a minimum and I live it as well. Stepping away from what the democrats and republicans think about the the act, as I stated before I think there are positives and negatives. For example, taking away the pre-existing condition rule. I think that's a wonderful thing, abso-freaking-lutely, for the people who do have pre-existing conditions and who should not be excluded from having insurance. However, I feel that it could also make people lazy as it relates to taking care of themselves and being responsible as well as costing more for the people who are responsible and who do actually maintain insurance now and take care of themselves. Where is the incentive now to take care of your health? If someone who knows that they can pay a nominal "penalty" for not maintaining insurance or taking care of themselves but should something go wrong, all they have to do is get insurance to pay for their significant health treatment. Where's the incentive to not smoke, frequently drink, eat fast food everyday or exercise? Why should I take care of myself when I can go and get insurance when I get sick? I can take the easy route and pay +/- $ a year in penalties as opposed to paying much more for insurance if I'm not sick. Meanwhile, the more people who are insured and seeking healthcare, the more the costs go up. How do we pay for this? Well, for one due to the risk associated with insuring everyone, the costs go up for those paying the premiums. Then, for those who fall within the Medicaid qualifications we increase taxes to pay for the health care. Again, responsibility is minimized for those who are not paying for their insurance. dating site comparison
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