Pornucopia

Just a random collection of men I find hot, pics that turn my crank, and whatever else tickles my fancy.

[glandygm]

Long extra day at work. Home now and soon to be nap time. But first...well...I AM on Tumblr. :-P

[silver-bigbear-deactivated20151]

[furycub-deactivated20160722]

Follow FuryCub for gorgeous bears and obedient cubs: http://furycub.tumblr.com 3,000+ post archive. Email me your most arousing photos and videos: [email protected]

[glandygm]

So reblog worthy.

[sizvideos]

[gunrunnersarsenal]

are you fucking kidding me….

[primale-photography]

[fuzzybearhug]

So hot

[nickthegeekbear-deactivated2023]

As mentioned, here’s the video:

Ride & Slam Decided to have a little bit of fun on our days off. He rides me for a little bit, and then I make him get on his back for a little slamming and seeding.

[preeoz]

So your SCHOOL LOANS are in DEFAULT and you are too scared to do anything about it

ON FEDERAL LOANS: 

Things have changed.

When you call your loan servicer, they  won’t treat you like shit anymore. They won’t threaten you or harass you or insist you pay half your paycheck to get out of default. Here is what I’ve experienced while dealing with defaulted government loans. 

1.  Find out who owns all your debts right now. It may be early enough that your most recent loan servicer could still be the owner. If it’s been over a few months, or years, it will be a collections agency or several agencies. Check your snail mail. Their policies usually dictate that they send paper mail. Once you find the collections agency, ask for “proof of debt.” By law, they must provide you proof that they own your debts so they can’t scam you.

2. Once you establish that this agency owns your debt, tell them that you can’t afford much but would like to “rehabilitate your loans.” This means you will make a payment for 9 consecutive months. The agency, by law, must use a government formula to figure out how much you pay each month. If you make around 40K, you will be asked to pay somewhere around $100-150/month. If you are unemployed, you can rehab for as little as $5 a month. Ask them to autodebit so you don’t accidentally miss a payment. If you miss one, your 9 months starts over. 

3. Once you finish your 9 months, call the collections agency to make sure they won’t autodebit anymore. They will hand your debt back over to the loan servicer you worked with before they got the loan. Most likely, you have Great Lakes, Nelnet, Navient (formerly known as Sallie Mae), or one of these loan servicers. Then go to this studentloans.gov website and make an FSA ID and PW. 

4. Begin a consolidation through the student loans website. The consolidation form will ask you to write in every loan. It might be on the website already, but check this NSLDS.gov site to be sure. This website has an up-to-date account of all your outstanding loans. Consolidating is a tedious and boring process. Make sure you have a few hours free to do this. 

5. When you consolidate, the form requires you to fill out a payment plan. You want an IBR plan, or Income Based Repayment Plan. This plan will allow you to make minimal payments according to your income for 20-25 years. Then, the government will forgive your loan. Consider it 25-year mortgage for your college education. Also, the IBR will re-evaluate your income every year in order to adjust the monthly payment. If you lose your job, your monthly payment will reduce dramatically, and if you find a better paying job, you may have to pay a bit more. 

6. Also while consolidating, you must choose which loan servicers you’d like to work with. I work with Nelnet. Nelnet was difficult to work with for years, like not allowing you to email in documents–only mail or fax. You can email scanned documents to them now. You can download free scanning apps to use with your smartphone camera. Remember to keep a log of every time you call, whom you talked to, and what you talked about. This is an important lesson I learned while calling companies for my immigrant parents. Anyway, because of government regulation, they are actually nice to you and available 24/7.They can’t pull their bullshit anymore. I’m sure it’s the same with all the other loan servicers. As I said before, I work with Nelnet, but it really doesn’t matter which one you choose. 

7. When you finish with consolidation, wait a few days and call your loan servicer. Ask them if they’ve received the request for consolidation. Then, check in with them every week for the next six weeks to hear the status of the consolidation. They are not good about emailing you updates, i.e. never. I did my consolidation wrong the first time, and they just rejected it and never notified me. I found out when I made my weekly Monday night call. Had to fill out the damn form all over again. It’s finally been accepted. 

8. They will then set you up with an IBR plan. Your payments will most likely be the same as what you payed the collection agency because they’re using the same government calculator. Autodebit those payments. 

This is all I know so far. This is far better than defaulting and having the government garnish your wages. And once you begin the IBR plan, there is an end in sight!

—

ON PRIVATE LOANS: 

I don’t know much about these, but I know private is much harder to deal with. 

1. It’s not great to default with these loans either. Defaulting and declaring bankruptcy does NOT absolve you from the loan. Your wages can still be garnished if the collections agency sues you and wins. 

2. If you make regular payments, the loan servicer will not settle your debt with you. Because they’d rather have your interest payments. If you default in order to settle with the collections agency who buys your debt, you’d better have enough cash to pay them off in one lump sum. They will bargain with you to get you to pay between 50-60% of your loan. If you owe 100K, do you have 60K in disposable income to settle? With that kind of cash, you shouldn’t ruin your credit!  

3. You can now refinance your loans! Due to new legislation (I think it’s Elizabeth Warren’s doing), you are allowed to consolidate all your private loans under one bank and get a lower interest rate, maybe a lower fixed interest rate. I’m willing to bet your interest rates are at 8% or higher. You can consolidate all these to under 5%, or even as low as 2%–the better your credit, the better your rate. I would consider perhaps working with the credit unions instead of a bank.

—

I hope this helps you. If you have any questions, please send me a message and I’ll do my best to help you figure it out. Most importantly, DON’T GIVE UP! :) 

[bye-bye-little-sebastian-deacti]

fuck it I’m drunk enough to do this, but just please don’t be mean I know I don’t look good

[abominabelangel-deactivated2018]

To be honest you look fantastic

[cool-trainer-drew-deactivated20]

^what he said

[craftycub]

he’s adorable.

[glandygm]

You don't look good. You look AMAZING! woof!

[michaelbrownsf-deactivated20150]

[tastefullyoffensive]

(photo via brianito)

[hesitantgrownup-deactivated2018]

Welp. Doing this pretty much immediately.

[amroyounes]

Time for some kitchen charts to help you adult better ;)

[tengopelos-deactivated20150812]

[tengopelos-deactivated20150812]

[glandygm]

My body goal.

[thedemsocialist-deactivated2018]

Bernie Sanders in Manchester, New Hampshire

[daddyandcubby-deactivated201507]

[bossyplanets]

how sign traits manifest, when energies are focused outward vs. inward

ARIES outward: snarky, charismatic, exuding an aura of confidence mixed with superiority, ambitious and willing to do whatever they can to achieve their goals, assertive, impatient, strong physical energies  inward: wildly intelligent, existential, well-intentioned and seeking to self-improve, thoughtful, loyal, frustrated and overly critical of themselves, desiring control 

TAURUS outward: stubborn, hardworking, super cute, patient, very committed and focused to whatever they’re doing at the moment, great listeners inward: always excited about relaxation and downtime, those people who wake up in the morning and are already looking forward to climbing back into bed, hopeless romantics, fearful of change, emotional, analytical

GEMINI outward: talkative, blurs of motion, excitable, lovers of debate and low-key always looking for a friendly fight, adventurous, internalizes stress to the point where it becomes physical illness, curious, expressive, fun-loving, adaptable and able to get along with many different types of people inward: talks to themselves in the shower and goes over possible argument positions just in case someone tries to start shit. excellent writers, philosophical, thoughtful, always seeking stimulation and fulfillment, conflicted in their own thoughts, can often feel isolated within themselves and misunderstood 

CANCER: outward: heart-on-sleeve type of people, extremely supportive, excellent maternal instincts- the “mom” at all the parties who takes care of too-drunk friends, always looking to help others, easily teary, communicative, kind, thoughtful and excellent gift givers inward: creative, sensitive, spiritually and karmically mature, understanding of their need to feel things fully, meditative, lovers of quiet and alone time, always seeking understanding from other people and genuinely deep connections

LEO:  outward: loud, bright and sunshiney, natural leaders, energetic, affectionate, extremely generous, proud, protective over and loyal to others, dramatic, flirty, demanding and resilient with a visibly strong spirit, able to naturally attract people, queen bees inward: interested in making life better for themselves and for others, always trying to look at things positively, idealistic, highly emotional, perfectionists, constantly nursing their tender egos, constantly trying to fully understand themselves, relying on gut instinct

VIRGO outward: skeptical and critical of the world around them, organized, clean, cautious, practical, hard-workers, naturally intelligent, visible perfectionists, fascinating people to talk to, dedicated, detail-oriented, looking for simple pleasures in life inward: realistic, highly critical of themselves, able to remember a great deal of information easily, passionate about particular things that they love, can often feel a heavy self-imposed pressure to succeed, focused on the moment, prideful in the quality of their work 

LIBRA outward: flirty, people-pleasers, outgoing, charming and eloquent communicators, love to be shown affection, argument mediators, reasonable, graceful, those people who look like they never have an off day, dedicated to their appearances inward: indecisive, understanding of others and very capable of understanding many different perspectives, calm, naturally inclined towards contentedness- and determined to find contentedness even when their situations seem shitty, hopeless romantics, creative 

SCORPIO outward: intimidating, magnetic, overtly sexual, hard to approach for many people but everyone wants to approach them anyway, impossible to ignore, often effortlessly the center of attention, masterful in their chosen disciplines, influential inward: controlled by their emotions, constantly questioning themselves, seeking approval from others, can often be self-destructive, obsessive, determined, self-interested, sensitive, fighting spirit

SAGITTARIUS outward: popular, jovial, spontaneous, effortlessly good with people and attractive to others, competitive, relentless with whatever they set their minds to, always on the go, notorious show-offs,  feeling as though the world is their oyster and ready to work hard to find what it has to offer inward: strong sense of self, unafraid of new things and taking risks, optimistic, independent, always thinking about the big picture, always craving understanding of themselves and the world, strong gut feelings

CAPRICORN outward: hardworking and ambitious, down-to-earth, aloof exterior, mysterious, mature, always appearing in control, consistent, guarded, very responsible with a clear idea of what they’re meant to be doing at any moment, practical and methodical, self-sufficient, extremely capable inward: traditional, level-headed, patient, realistic, excellent judges of character who rely on gut instinct to tell them who to trust, resilient, strong, courageous, with good humor and a genuine interest in others lying at their core beings

AQUARIUS outward: very friendly and open, unique, independent, often seen as true individuals, original, creative, spirited and energetic, inspirational, with a universally accepting attitude towards all people, and a detached/thoughtful way of looking at the world inward: sensitive, caring, opinionated to the point of stubbornness, open-minded, unwilling to let go once they commit to something, curious, always thinking and considering all possibilities, clever, capable of personal transformation 

PISCES outward: very mature, compassionate, loving, sensitive to the energies around them, instinctive with other people’s emotions, thoughtful with conversation and advice, receptive, gentle, always appearing as an older wiser soul despite actual age inward: daydreamers, extremely reliant on gut instinct and uncanny abilities for prediction, idealistic, emotional, very intelligent, interested in culture, hypersensitive and will often absorb negative energy, observant to the point of feeling isolated or disconnected

[dadsonsex]

[glandygm]

Watch Bear Officer Fucks Suspect at xHamster.com! From “Bear Patrol”.

[sexedplus]

This piece is about prude-shaming and compulsory sexuality. It’s sort of a companion to this other piece, which is about slut-shaming and how wanting to have lots of casual, unconventional sex doesn’t make you a bad person. Follow SexEdPlus or check out SexEdPlus.Com for more stuff like this!