Abigail Hilton

hands you this thing

40. Hunters Unlucky by Abigail Hilton

I've only read books 1 and 2 and out of these would only recommend 1, but it is legit a big epic I really enjoy. Can't vouch for books 3 and onward though as I've yet to read them.

I FRIGGIN LOVE PTEROSAURS

Everyone looks scarry when they're chewing

endless beast of scales
#art #dragon #dragonart #ocart #digitalart #creature #creatureart

it's not often these days that I get so into a book that I shotgun half of it in one night. I feel possessed (in a good way?). I think that Hunters Unlucky is the kind of book that, if I had read it as a kid, would have been *deeply* formative

A Virgin with a Unicorn

The only thing worse is being a renter!

No one knows how any of this works until they do it. Welcome to being a homeowner. 🙃

It depends on whether you have 50k of equity in the house, obviously. Refi involves the same mountain of paperwork as buying a house and HELOC loans are not always the same rate as primary loans. Still worth an eval.

Another option would be tapping your home equity to pay off the tax bill. Rates are coming down. They're not 2019 levels, but getting better. A mortgage rate is locked in, so it's not going to move around on you. And you can refinance the second the rates drop. Might be worth crunching the numbers.

And yeah, that does seem like a problem that could be fixed with one year's decent income from your partner.

It's not hopeless, truly. Doing a careful analysis on deductions every year is kind of necessary to avoid paying more taxes than you owe. Optimize QBI deduction, home office, all write-offs. If you do approach a financial advisor or accountant, "freelance artist" is sufficient business description.

Even if you do your own taxes, it would be worth a one time consultation with a CPA to make sure your taxes are optimized. Small business is complicated and laws change every year. Are you taking every deduction available to you? Chat is also good at this. Just double check its work.

If you're laboring under a debt from years ago, and you would be fine if you just escaped that old mistake, I really would consider bankruptcy. That's what it's for. However, if there's more money going out than coming in every yr, that's a hole in the boat. You've got to fix the leak.

Yeah...if you're seeing a drop, that's probably a signal that you're near the top of what the market can sustain.

Little things

And actually he hardly lost any clients! So...if you feel you are running in place, it might be worth raising your rates until people start walking away.

I know you're not really soliciting advice here, but this reminded me of my father, who is an inveterate under-charger for his services. He basically had to go to therapy to be told, "If you double your rates and lose half your clients, you'll be making the same amount of money for half the work."

Studies

#art #ink #doodle

That is scary dear! Wow! Face unzip, sideways chomp.

😂 the cats...

They are available in both paperback and hardcover from Amazon or signed in my store. The entire series is also in audio (narrated by a human being who puts a lot of love and skill into it). The audiobooks are exclusive to my store beyond the first two for reasons.

(Animalia, Lindwyrm, Worldbuilding)
Made this a bit more cohesive!
Now with naughty bits, lol.

More info animaliasetting.carrd.co

Happy Birthday @lenzartz.bsky.social

I love how massive you make their shoulders! This kitty has very big murder mittens.

Just fluffy

baby goat centaur doodles from a million years ago still make me happy

for nymerasnowcat~ 🌿🐺🍒

What a smile!