Tag: ASAP


Should I pay off the mortgage ASAP or top up my superannuation? Four questions to ask yourself


At a certain point in life, many wonder what's better: to pay off the home loan ASAP or top up your superannuation?

If your emergency cash buffer looks OK and you have enough to cover you for around three to six months if you lost your job, the super versus mortgage question is a good one to ponder. There's no one-size-fits-all answer.

On the face of it, there's a compelling case for building up your super; you can take advantage of the magic of compound interest (and, potentially, some tax breaks as well) — all while interest rates on mortgages are low. 

If you're getting 8 per cent compound interest on super and paying only 3 per cent on your mortgage, building up super might seem a good option. 

But financial decisions are about psychology as well as numbers. Much depends on your debt comfort zone.

It's best to seek professional assistance from a financial counsellor or adviser — but here are some questions to consider along the way.

1. Am I 'on track' to have enough super upon retirement?

Use the government's Moneysmart retirement planners or your super fund's calculator to check. 

If it's looking sparse — perhaps due to career breaks or part-time work — you might consider salary sacrificing extra into your super (on top of what your employer already puts in there). 

An additional $50 a week, for example — even just for a few years — can help remedy your meagre super projections. 

According to Moneysmart:

"The payments, called concessional contributions, are taxed at 15 per cent. For most people, this will be lower than their marginal tax rate. You benefit because you pay less tax while you boost your retirement savings […] The combined total of your employer and salary sacrificed concessional contributions must not be more than $27,500 per financial year."

Try the Industry Super or Moneysmart calculators to see how much extra you'd have at retirement if you salary sacrificed into super for a few years. Consider seeking advice from your super fund on your super investment options and Age Pension entitlements.

You might also consider an after-tax personal super contribution (that is, putting extra money from savings or from your take-home pay into super). The contributions may be tax deductible, but even if not, the returns in super are tax-friendly.

Are you 'on track' to have enough super upon retirement? Use online calculators to find out.(Unsplash: Joshua Mayo)2. What about the pension?

Are you expecting a full Age Pension? To find out if you're likely to qualify for one, use an online calculator or ask your super fund. People with "too much super" don't get the pension (although most retirees get some part pension). For some, the more you put into super, the less you get in Age Pension payments.

Switching super funds

Have you been thinking about switching your super around? 

Read more

For single homeowners, the total asset threshold for a full Age Pension is $270,500 (including super but excluding your main residence), while the part-Age Pension threshold is $593,000. For couple homeowners, the combined total asset threshold for a part-Age Pension is $891,500 (also including super but excluding the main residence).

If you're on a median income and your super balance is predicted to land between the lower and upper asset thresholds for the pension, some models predict that for every extra $1,000 put into super at age 40, you would only be around $25 per year better off in terms of retirement income (due to the tapering off in eligible Age Pension income). 

For people on low incomes, extra super contributions may not be the answer at all if the result is more financial stress during your working life and immediate housing security risk. 

3. If I retired with a mortgage, could I cope?

Many people end up retiring earlier than planned, due to health or other issues.

If you were still paying off your mortgage at retirement, would you feel comfortable about that? Or would it be a source of worry?

Traditionally, most people enter retirement having paid off their home loan but now more are approaching retirement with some mortgage remaining. It might not be the end of the world if you had $100,000 left on the mortgage when you stop working. After all, you can draw out up to $215,000 of your super tax-free at retirement to pay off debt. Doing so can also increase your Age Pension entitlement (as your primary residence is exempt from pension assets tests while super is not).

If you and your partner retired with a mortgage debt, would you feel OK about that or would it be a source of worry?(Unsplash: Matthew Bennett)

The wealth accumulation in superannuation is going to outpace the interest on a mortgage in most cases for some time, even after you retire. Even so, you might feel it's worth making the last vestiges of your debt go away in retirement so you can stop worrying about it.

4. Will the choices I make today cost me later — and am I OK with that?

Australian property values have skyrocketed and many have borrowed more to pay for renovations. The full "cost" of a renovation may not be apparent at first. 

The true cost of a $150,000 renovation over the next 20 years could be more like $700,000. How? Well, if that $150,000 was put into a balanced allocation in super for a couple of decades, it would likely grow to be about $700,000. That's compound interest for you. You'd hope to get that in capital gains from the renovation.

But it's never just about the finances. The extra mortgage might be worth it because it paid for a home that brings comfort and joy (as well as the capital gains).

Likewise, paying off your mortgage ASAP might mean forgoing the extra you'd get if you'd put it in super. But for some, wiping out a mortgage will be worth it to be debt-free. Perhaps after the mortgage is gone, you can maximise salary sacrificing into super until retirement, while also reducing your tax bill. 

At least do the sums

There's always more than one solution. To know what's right for you, you'll need to get advice for your personal circumstances. 

You're about to retire but still have a mortgage. What should you do?

While rising house prices are pushing home ownership out of reach for younger generations, paying down a mortgage is a growing problem for those at the other end of the property ladder. As more people retire with mortgage debt, using superannuation to pay off the house is becoming popular. Is it a good idea?

Read more

But it's good to look at where your super is now and where it's heading, and calculate your debt-to-income ratio (debt divided by income). It's often used to gauge how serious (or not) your debt is. Lenders and regulators might consider a debt-to-income ratio over six times your income to be "high", but your personal debt comfort zone might be much lower.  

Emotions play a bigger part in financial planning than many like to admit. Desire to pay off a mortgage quickly can be influenced by how you were raised, feelings of anxiety and stigma that often come with debt, and Australia's cultural bias toward debt-free home-ownership.

Depending on circumstances though, it may be time to rethink the bias to paying down housing debt over wealth accumulation in super. At least do the sums, so you can make an informed choice.

Di Johnson is a Lecturer in Finance at Griffith University. This piece first appeared on The Conversation.

Source: https://www.abc.net.au/news


Young Stoner Life & Young Thug – Litty Lyrics (feat. Dababy)


[Intro: Young Thug]
Oh, I'm gonna get right, yeah, yeah
Yeah

[Chorus: Young Thug, DaBaby & Both]
Diamonds loud like a cop car, yeah
I'm big as it get, yeah, yeah
Changing up my call logs, yeah
Invite her over, let's get lit
Let's get lit, let's get lit, let's get litty
Let's get lit, let's get lit, let's get litty
Let's get lit, let's get lit, let's get litty
Let's get lit, let's get lit, let's get litty (Lit)

[Verse 1: DaBaby]
I hurt my lil' bitch feelings
Called a Uber, told her to get in it (Yeah)
Burnt out niggas be chilling
I turnt up, came back with a million (Let's go)
He blew up, then caught the body, he kept it solid, really don't say much about it
He never tell them too much (Shh), he know what's up, he know it's best to keep quiet
Diamonds real loud like a parade (Go)
Drumroll, everybody sprayed (Brr)
Cutting up with a nigga thot (Yee)
f*cking up the p*ssy, not the braid (Mmm)
And we got bullets like the Navy
Enough to spin on niggas' shit for days (Doot)
I hope it ain't no niggas in the way (Ah)
Light it up like Independence Day (Let's go)
New flip phone, so the tap don't get it
Just bad plays, ain't no bad hoes in it
Walked in the spot, it had nine hoes in it
Just five minutes later, it was mad hoes in it
Team, we can get together, baby, we can be a team
We ain't going steady, but I'm liking what I see
Five, four, three, two bitches, just one me
Whoever MVP should get a ring
All my whips is push to start, don't none of my whips got key holes in it
All black Rolls Royce just pushed off, one rapper with three or four freak hoes in it
Been working like a migo, gettin' it
Probably pull me over, it's illegal tinted
I can't even hide the way I'm getting this money, even if I whisper, my
[Chorus: Young Thug, DaBaby & Both]
Diamonds loud like a cop car, yeah
I'm big as it get, yeah, yeah
Changing up my call logs, yeah
Invite her over, let's get lit

Let's get lit, let's get lit, let's get litty
Let's get lit, let's get lit, let's get litty
Let's get lit, let's get lit, let's get litty
Let's get lit, let's get lit, let's get litty (Lit)

[Verse 2: Young Thug]
Making it shit ain't a issue
I got her shitting, where the tissue?
I just pulled up in the Tesla, hopped out looking like fishscales
I just was cooking this brown dirt
Tell you the truth, made my wrist hurt
Y'all niggas faker than big turf
Rocking yellow diamonds, but no Pittsburgh
Pulled up, hopping out the Chevy 'vert
Diamonds on my motherf*cking ankle, Kurt
Get a nigga whacked ASAP, Ferg
Chrome Heart glasses, no cap, nerd
Getting her hair done twenty times, just like that was work
Sending them zazas to the town, all of my dogs serve
Three forty five, my bitches
I was trapping every p*ssy, I was getting my riches
I came a long way from a damn Honda Civic
Now it cost a half a million and a band, though I'm chillin'
I invest a quarter million in my man, got a ticket
Next in on Kool-Aid, all colors, no kitten
I picked it, my Louis, my children them bitches
Chopped all the doors off, I'm living relentless
I came a long way from the motherf*cking struggle, nigga
Hit the road with them bales like a trucker, nigga
Lost my dog, ever since it's like f*ck a nigga
Excuse my language 'cause you just a sucker nigga
On another note, I'll never trust a nigga
I done tied ties with some other niggas
Found pride in my lover, nigga
Carve a S with a cutter, nigga
[Chorus: Young Thug & DaBaby]
Diamonds loud like a cop car, yeah
I'm big as it get, yeah, yeah
Changing up my call logs, yeah
Invite her over, let's get lit
Let's get lit, let's get lit, let's get litty
Let's get lit, let's get lit, let's get litty
Let's get lit, let's get lit, let's get litty
Let's get lit, let's get lit, let's get litty (Lit)


Chocolate Puma – Step Back Lyrics (feat. Kris Kiss)


[Verse]
Are you feelin’ the vibe?
Cause I’m feelin’ the vibe
I got a mic and I’m ready to ride
Hang tight everybody inside
We’re goin’ straight to the floor
Both hands in the sky
I wanna wile out ASAP with my henny, I’m ready to go wild for the night

Are you feelin’ the vibe?
Cause I’m feelin’ the vibe
I got a mic and I’m ready to ride, and I’m ready to ride
Hang tight everybody inside
Everybody inside, everybody inside
Everybody inside, everybody inside
Bass comin’, I’m ready to get raw
Bass comin’, I’m ready to get raw
Bass comin’, I’m ready to get raw

[Chorus]
Bass comin’, I’m ready to get raw
Class A, a hundred percent pure
Jam packed from the back to the door
I need my own space on the floor

[Post-Chorus]
So step back!
So step
Step back!
So step
Need my own space on the floor
So step back!
So step
Bass comin’, I’m ready to get raw

[Bridge]
Are you feelin’ the vibe?
Cause I’m feelin’ the vibe
I got a mic and I’m ready to ride
Hang tight everybody inside
We’re goin’ straight to the floor
Both hands in the sky
I wanna wile out ASAP with my henny, I’m ready to go wild for the night

[Chorus]
Bass comin’ I’m ready to get raw
Class A a hundred percent pure
Jam packed from the back to the door
I need my own space on the floor

So step back!
So step

[Verse]
Are you feelin’ the vibe?
Cause I’m feelin’ the vibe
I got a mic and I’m ready to ride…
Hang tight everybody inside
We’re goin’ straight to the floor
Both hands in the sky
I wanna wile out ASAP with my henny I’m ready to go wild for the night

Are you feelin’ the vibe?
Cause I’m feelin’ the vibe
I got a mic and I’m ready to ride
Hang tight everybody inside

[Chorus]
Bass comin’ I’m ready to get raw
Class A a hundred percent pure
Jam packed from the back to the door
I need my own space on the floor

[Post-Chorus]
So step back!
So step
Need my own space on the floor
So step back!
So step
Bass comin’ I’m ready to get raw

[Verse]
Are you feelin’ the vibe?
Cause I’m feelin’ the vibe
I got a mic and I’m ready to ride
Hang tight everybody inside
We’re goin’ straight to the floor
Both hands in the sky
I wanna while out ASAP with my henny, I’m ready to go wild for the night

Are you feelin’ the vibe?
Cause I’m feelin’ the vibe
I got a mic and I’m ready to ride
Hang tight everybody inside
Everybody inside, everybody inside
Everybody inside, everybody inside
Bass comin’, I’m ready to get raw
Bass comin’, I’m ready to get raw
Bass comin’, I’m ready to get raw


Jon Hope – ChamPain Lyrics


Chorus

Thou shalt be trill nigga
Motherf*cka and real sisters
Same ones I came with
We got a 1000 words and take real pictures
Got styrofoam of my mama’s tears
Pour it up that’s ChamPAIN
Real niggas & real bitches they all apart of my campaign

Verse 1

Just opened up my big mouth this my version of small talk
Got a size 12 of these Stan Smiths that took big steps of this small walk
Heavy hearts I’m talkin’ day ones on day two they’re shot
6 guys using 12 hands wooden coffins and we dropped

This is my PTSD ‘cause not even me respects me
Still gotta go to school tomorrow f*ck algebra life be testing me
Still trying to pass through ninth grade and life grade
Ain’t no one to talk to everyone telling me F.I.S.H

f*ck It Shit Happens and showing emotions is bish
Under my burdens I bury they’re squished
My poker face never will show it exists
Take that nigga take that by any means I’mma ride for the payback

I’m a race rat trying to chase cash give a f*ck about the age gap
Whether night or the day trap f*ck tomorrow 5 seconds is my ASAP

Second Verse

Silhouettes give me a tease
While bitches collecting the fees
How can I knock off your hustle
‘Cause nothing may come from degrees

The world is a savage beauty will hide in sinister smile
Enjoy what you gather cause will walk in the middle of aisles
Playing them both sides morals are compromised
Everyday hood shit feel comfort in homicides
Why mama gotta work so hard when she never get a chance to eat her fruits of her labor?
These days I be looking for the words in the church but it hurts when the bible can’t save us
From a stray from beautiful p*ssy with AIDS
The silence of cancer in food I just ate

The ambulance comes with an hour delay

Pimpin’ robbin’ boostin’ nuisance
30’s AK’s Sirens music


Hopsin – Picasso Lyrics


Play this song

[Verse 1]
Hollywood, Hollywood, oh, how I fuckin’ love you
I cannot seem to breakthrough from this curse that I’ve been stuck to
I came in as a lil’ man, but now my fuckin’ nuts grew
Today’s the days our ties are finally cut loose, fuck you
Uh-oh, it’s my triflin’ ass
Pullin’ up like, “Hi guys, I’m back”
Goddamn, nigga, I’m so up that I can’t get down, gotta skydive from that (Yikes)
Won’t see the day I might relax, I ain’t never been a nice guy, in fact
Y’all wishin’ I would try nicer raps
Sorry, I ain’t got the right mind for that (Uh-uh)
Look how cold he is, pimpin’ just like H-O-V is
Y’all are Beyoncé and my rhymes stay inappropriate
This is just how my show begins
If you hatin’, come blow me then
Fuck you, here’s some petroleum
Give me my clout, you owe me it (Yeah)
Whoa!
Niggas better duck and run for cover like it’s fuckin’ Iraq (Stay down, nigga)
I’m pullin’ a nigga from your ass, you ain’t even die yet (Oh no)
I’ve been headin’ up the ladder longer, never was a time I hit the climax (Yikes)
Your career’s goin’ bye-bye, it’s ironic you don’t got a bypass (Yeah)
Niggas know that I’ve been ill, man, the whole time that I’ve been here
I done made a fortune like ten mil’ from the paper lines that my pen fills
And if I don’t spend it, my kids will
I’m low key, but a big deal
Hoes see me and they freeze up
That’s why they all on my dick still

[Pre-Chorus]
They tell me I’m too hostile, I am Picasso
Bitches like, “Remember me from high school?” Nah, ho
Came up in this shit killin’ niggas with the hot flow
Y’all ain’t got a fuckin’ thing on Hop
Whoa!

[Chorus]
Boy, you better rock slow
Who am I? I’m Picasso
Take the high road ASAP
‘Cause I ain’t liable for no nigga (Nope)
I’m fuckin’ hitters in the cosmos
Got it locked, though
Bitch, I’m Pablo Picasso (Mhm)

[Verse 2]
I’ve been told the new game plan’s to make bullshit for the new wave’s fans
And you can’t populate unless you take xans and flex on the ‘Gram like you do make bands
What?! (Oh no)
They like, “Fuck boom bap rap, you can’t win
Save that shit for the Wu-Tang Clan”
That’s when I bust in like the Kool-Aid man (Yeah!)
Look, I ain’t the nigga who pullin’ up tryna get shine by how much the Rollie glow (Nah)
I’m here to rain on parades, my sinister ways to fuck up the rodeo
I do my shows and hoes be losin’ control like I was the Holy Ghost (Stop)
When I deliver the penis it lies in the mouth, she call it Pinocchio
Mmm, man, who want war with me?
Bitch, I torture beats
I’ve been born to beast
Still I abort MCs
Oh, so horribly
Dog, your corpse’ll be
Right on the floor with these
Feet that I’ll stomp you out with
This my house, bitch, and you can’t afford the lease (Watch out)
Whoa!
Fuck all that Hollywood shit
Over half of you not even lit that be riding my dick
I got no problem with this
I come through and your body get slit
I could hardly resist
Nigga, my hobby is pissin’ on anyone I can offend
I got no friends
Whoever thinkin’ they hot, go and tell ’em, nobody’s convinced (Hmm)

[Pre-Chorus]
They tell me I’m too hostile, I am Picasso
Bitches like, “Remember me from high school?” Nah, ho
Came up in this shit killin’ niggas with the hot flow
Y’all ain’t got a fuckin’ thing on Hop
Whoa!

[Chorus]
Boy, you better rock slow
Who am I? I’m Picasso
Take the high road ASAP
‘Cause I ain’t liable for no nigga (Nope)
I’m fuckin’ hitters in the cosmos
Got it locked, though
Bitch, I’m Pablo Picasso

[Chorus]
Rock slow
Who am I? I’m Picasso
Take the high road ASAP
‘Cause I ain’t liable for no nigga (Nope)
I’m fuckin’ hitters in the cosmos
Got it locked, though
Bitch, I’m Pablo Picasso


Kanye West – I Thought About Killing You Lyrics


[Intro: Francis and the Lights & Kanye West]
I know, I know, I know, I know, know
I know, I know, I know, I know, know
I, I know it, I know it

[Spoken Word: Kanye West]
The most beautiful thoughts are always besides the darkest
Today I seriously thought about killing you
I contemplated, premeditated murder
And I think about killing myself, and I love myself way more than I love you, so…
Today I thought about killing you, premeditated murder
You’d only care enough to kill somebody you love
The most beautiful thoughts are always inside the darkest
(Mhm—mhm—mhm—mhm—mhmm)
Just say it out loud to see how it feels
People say “don’t say this, don’t say that”
Just say it out loud, just to see how it feels
Weigh all the options, nothing’s off the table
Today I thought about killing you, premeditated murder
I think about killing myself, and I, I love myself way more than I love you
The most beautiful thoughts are always besides the darkest
(Mhm—mhm—mhm—mhm—mhm—mhm—mhm—mhm—mhmm)
I think this is the part where I’m supposed to say something good to compensate it so it doesn’t come off bad
But sometimes I think really bad things
Really, really, really bad things
And I love myself way more than I love you
See, if I was trying to relate it to more people
I’d probably say I’m struggling with loving myself because that seems like a common theme
But that’s not the case here
I love myself way more than I love you
And I think about killing myself
So, best believe, I thought about killing you today
Premeditated murder

[Verse: Kanye West]
I called up my loved ones, I called up my cousins
I called up the Muslims, said I’m ’bout to go dumb
Get so bright, it’s no sun, get so loud, I hear none
Screamed so loud, got no lungs, hurt so bad, I go numb
Time to bring in the drums, that prrt-pu-pu-pum
Set the NewTone on ’em, set the nuke off on ’em
I need coke with no rum, I taste coke on her tongue
I don’t joke with no one, they’ll say he die so young
I done had a bad case of too many bad days
Got too many bad traits, used the floor for ashtrays
I don’t do shit halfway, I’ma clear the cache
I’ma make my name last, put that on my last name
It’s a different type of rules that we obey
Ye, Ye, Ye season, nigga, we Old Bay
We was all born to die, nigga DOA
Niggas say they hero, mhm, I don’t see no cape
Mhm, I don’t see no, mhm, yeah, I don’t see no, mhm, mhm
If I wasn’t shining so hard, wouldn’t be no shade
Buckwheat ass nigga, it’s ‘gon be otay
Young nigga shit, nigga, we don’t age
I thought I was past my Deebo ways
Even when I went broke, I ain’t break
How you gon’ hate? Nigga, we go way back
To when I had the braids and you had the wave cap
Drop a pimp of the fade and I’m on my way ASAP
Don’t get socked in the mouth, you know homie don’t play that
Pay the fire marshal bill ’cause this shit done got way packed
They wanna see me go ape (ape, ape)
All you gotta do is speak on Ye
All you gotta do is speak on Ye
Don’t get your tooth chipped like Frito-Lay


G Herbo – My Way Lyrics


[Intro]
Uh huh
Aye
Damn, hol’ on
What the fuck? Who the fuck is this?
Hol’ on
Aye
Aye

[Verse 1]
IPhone goin’ off
Press decline, hit the power button just to throw it off
Annoyin’ ass lil’ bitch keep texting me
I hate a know-it-all
I hit bitches ASAP on the first night I don’t know at all
And if you think this shit got them sick, wait ’til I show it all
50K, I put that on my wrist, ain’t have no glow at all
Plain Jane, sky dweller
Get that money now or never
Got that chick, you know I’m gangster
What I do? Go buy a bezel
And I’m out here by my lonely
One up on me, niggas can’t get one up on me
Run up on me, ain’t gotta cock it, one up on me
Get a little cocky, big bro told me, nigga, you chosen
Bad enough I say “I’m broke”, everybody be like “Nigga you hoeing”
I can’t lie, I’m holdin’
I can’t fold it, rubber band to hold it
Now I’m out in [La Postolle?] rollin’, in my flipflops strollin’
Still got paranoia, I’m off [?] lookin’ off my shoulder
Book me for a show, I ain’t gon’ go unless you get my pole in

[Chorus]
Bitches love me
‘Cause they love gangsters
Gettin’ money
This that Palm Angels
This a hurdle
Issa 30
It’s Lil Herbo
Two door, swervin’
Aye, aye
And I have my way
Aye, aye
And I have my way
Aye, aye
And I have my way
And I have my way
Yeah, I have my way

[Verse 2]
Aye, bitch I have my way
Yeah I drive i8s
And I’m still [?]
Still’ll take fly on the jakes
Let a fuck nigga try and invade my home
Chopper shell right in the face
I secure my chain like a iPhone
Fingerprint right on the safe
Got girl scouts straight from the bay
Gucci shirt came from the A
Used to sip lean by the case
Thought it make the pain go away
I was high, fuck around, caught a case
Then them fights ain’t still go away
So far I gave my lawyer 8K, but that shit I make that rain in a day
Bitches love me
‘Cause they love gangsters
I bought all of that Balmain, this that Palm Angels
She got all of that [?], swallow all I came
These hoes be actin’ like they thang but they all basic

[Chorus]
Bitches love me
‘Cause they love gangsters
Gettin’ money
This that Palm Angels
This a hurdle
Issa 30
It’s Lil Herbo
Two door, swervin’
Aye, aye
And I have my way
Aye, aye
And I have my way
Aye, aye
And I have my way
And I have my way
Yeah, I have my way


Macklemore – Zara lyrics


Below are the complete “Zara” lyrics by Macklemore displayed. These lyrics were added 6 hours ago.

Zara lyrics

I know you’re troubled, girl, I seen you on Tumblr
February, dressing like a summer girl
Mini skirt on, no underwear
I wanna take you shopping, blow a bag of Prada
She say those clothes expensive, so we end up in Zara
Late night hit the city and we go out to Target
Like why we go to Target? This electric wheelchair’s poppin’
You read bell hooks and [?]
You make me quesadillas when I’m stressed
And be like, “Boy, you better clean up the mess
And take out the trash before you come back”
Stay in, amen, don’t fall asleep till the AM
Wake up in the morning in the prayers
Sunlight made its way in, gave me angels
And I hold ’em, paint a mural so golden
And my girl, she sweet as hell, but we’ll have a world star moment
Like I brought this bitch up, yes, you will, my darling
Type of girl fight for the family and jump in if there’s a problem
But not today, the ocean waves
I can’t complain, I hold her waist
My only ace until we’re old and gray
See, thats my baby

[Chorus: Abir]
Wave after wave, yeah
We’re catching the vibe, yeah, feeling alive, yeah
Ten out of ten, I know you down to ride, yeah
Always by my side, yeah
My baby, know I know had to hold you down for sure
You the only one, you the only one, yeah
You the only one, you the only one in my life
You the only one, you the only one, yeah
You the only one, you the only one in my life

[Verse 2: Macklemore]
And if you feel some type of way, then just say that, say that
I’m on my way to make it back, talking ASAP
And we can do all types of things in this Maybach
Kick off your shoes, relax your feet, while I play that (play what?)
That nineties R&B, yeah, house party, three
Come spend the night with me and bring your toiletries
You got your girls with you, I brought my boys with me
Playing that [?], Howard, and that Jodeci
Do you want a back rub, do you want a massage?
On my birthday, it’s my birthday
Do you think we can menage? Psyche
Held her by the wayside, so sweet
Let’s go have us some offspring
Girl, you flyer than a [?]
We ain’t doing a damn thing all day

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[Chorus: Abir]
Wave after wave, yeah
We’re catching the vibe, yeah, feeling alive, yeah
Ten out of ten, I know you down to ride, yeah
Always by my side, yeah
My baby, know I know had to hold you down for sure
You the only one, you the only one, yeah
You the only one, you the only one in my life
You the only one, you the only one, yeah
You the only one, you the only one in my life


3D Na’Tee – Big Dawg


[Intro: 3D Na’Tee]
(ah yeah, ah yeah)

I’ve been putting on for the N.O
(damn right)
I’ve been the shit since you were blowing your Nintendo
(damn right)
Now me and Yankee in the intercontinental
(damn right)
Overseas making cheese like Sargento
(damn right)
I remember selling weed out the window
(damn right)
Fast forward made a fortune off a demo
(damn right)
From the bars, cars looking like I’m Leno
(damn right)
They know what I’m bout from the south to Sacramento

[Hook: 3D Na’Tee]
Bitch I’ve been a big dawg, big dawg, all of my life
Been a big dawg all of my life, been a big dawg all of my life
Bitch I’ve been a big dawg (been a big dawg)
Big dawg (bitch I’ve been a big dawg) all of my life
Been a big dawg all of my life, been a big dawg all of my life
(damn right!)

[Verse 1: 3D Na’Tee]
Had a few brushes with death and getting another chance
Was slimmer than Thugger’s pants
But somehow I still advanced
Like Choppa, Babs, and Fred, my focus was making bands
Was poker faced with the grams, but now I’m touring in France
Putting on for the N.O., LA and you ain’t gotta Kelly
Blue Book the whip, just know I spent a lot of chips
More bread than a deli
Could’ve been in the Fed’s bunk bed with a celly
(what they tell me?)
But they tell me don’t go pop though, I’m not though
Rather go and see my pops hoe, my top low
Motor bigger than a Costco, dodging pot holes
I remember wearing Pacos, was a snot nose
Now my knot rolls just will not fold
Bitch I got it, even though the radio ain’t never play my product
Guess it’s cause I refuse to pretend I’m idiotic
Pockets big as DJ Khaled though I never went to college, bitch!

[Hook: 3D Na’Tee]
Bitch I’ve been a big dawg, big dawg, all of my life
Been a big dawg all of my life, been a big dawg all of my life
Bitch I’ve been a big dawg (been a big dawg)
(Bring me another bottle of that Lasserre)
Big dawg (been a big dawg) all of my life
(You know I’m part owner)
Been a big dawg all of my life, been a big dawg all of my life
(Big dawg shit. Crown!)

[Verse 2: 3D Na’Tee]
Labels tried to play me like a fool so I left
Told Tim only way I’ll sign is if I go deaf
No silicone in my breast or fucking niggas for press
But still come up in discussion if you discussing the best
Russell cut me a check and did it ASAP
He know what my mind worth
A signing bonus I ain’t gotta pay back
From selling ye to having beignets with Stevie Wonder
Baby tried to sign me, bitch I’m my own stunna
No Fat Joe or Luda or artist to introduce her
So many stones like I looked in the face of Medusa
Was in the hood like a Ku Klux with the deuce deuce up
Made a quarter million from telling you how I grew up
Like George, had to move up, though it wasn’t rapidly
I don’t have an out of touch label exec backing me
Just me and my faculty
Some compare me to Rapsody
Some compare me to Remy
But I’m more like Oprah Winfrey, bitch!

[Hook: 3D Na’Tee]
Bitch I’ve been a big dawg, big dawg, all of my life
Been a big dawg all of my life, been a big dawg all of my life
Bitch I’ve been a big dawg (been a big dawg)
Big dawg (I’ve been a big dawg) all of my life
Been a big dawg all of my life, been a big dawg all of my life
(damn right!)

[Hook: 3D Na’Tee]
Bitch I’ve been a big dawg, big dawg, all of my life
Been a big dawg all of my life, been a big dawg all of my life
Bitch I’ve been a big dawg (been a big dawg)
Big dawg (I’ve been a big dawg) all of my life
Been a big dawg all of my life, been a big dawg all of my life
(damn right!)


Eminem – 8 Mile


Sometimes I just feel like
Quitting I still might
Why do I put up this fight?
Why do I still write?
Sometimes it’s hard enough just dealing with real life
Sometimes I want to jump on stage and just kill mics
And show these people what my level of skill’s like
But I’m still white
Sometimes I just hate life
Something ain’t right
Hit the brake lights
Case of the stage fright
Drawing a blank like

Dah, dah, dah. dah
It ain’t my fault
Great then I fall
My insides crawl
And I clam up
I just slam shut
I just can’t do it
My whole manhood’s just been stripped
I have just been ripped
So I must then get
Off the bus then split
Man fuck this shit
Yo, I’m going the fuck home
World on my shoulders as I run back to this 8 Mile Road

I’m a man
I’m a make a new plan
Time for me to just stand up and travel new land
Time for me to just take matters into my own hands
Once I’m over these tracks, man I’ma never look back
And I’m gone
I know right where I’m going
Sorry, momma, I’m grown
I must travel alone
Ain’t gon’ follow no footsteps I’m making my own
Only way that I know how to escape from this 8 Mile Road

Walking these train tracks
Tryin’ to regain back
The spirit I had ‘fore I go back to the same crap
To the same plant
And the same pants
Tryin’ to chase rap
Gotta move ASAP
Get a new plan
Momma’s got a new man
Poor little baby sister, she don’t understand
Sits in front of the TV buries her nose in her pad
And just colors until the crayon gets dull in her hand
While she colors her big brother, her mother and dad
Ain’t no telling what really goes on in her little head
Wish I could be the daddy that neither one of us had
But I keep running from something I never wanted so bad
Sometimes I get upset ’cause I ain’t blew up yet
It’s like a grew up but I ain’t grow me two nuts yet
Don’t got a rep, my step
Don’t got enough pep
The pressure’s too much, man I’m just tryin’ to do what’s best
And I try
Sit alone and I cry
Yo I won’t tell no lie
Not a moment goes by
That I don’t pray to the sky
Please, I’m beggin’ you God
Please don’t let me be pigeon holed in no regular job
Yo I hope you can hear me homie wherever you are
Yo, I’m telling you dog I’m bailing this trailer tomorrow
Tell my mother I love her, kiss baby sister goodbye
Say whenever you need me, baby, I’m never too far
But yo I gotta get out there the only way I know
And I’ma be back for you the second that I blow
On everything I own
I’ll make it on my own
Off to work I go
Back to this 8 Mile Road

I’m a man
Gotta make a new plan
Time for me to just stand up and travel new land
Time for me to just take matters into my own hands
Once I’m over these tracks, man I’ma never look back
And I’m gone
I know right where I’m going
Sorry, momma, I’m grown
I must travel alone
Ain’t gon’ follow no footsteps I’m making my own
Only way that I know how to escape from this 8 Mile Road

You gotta live it to feel it
You didn’t, you wouldn’t get it
Or see what the big deal is
Why it was and it still is
To be walking this borderline of Detroit’s city limits
It’s different and it’s a certain significance
A certificate of authenticity
You’d never even see
But it’s everything to me
It’s my credibility
You’d never seen, heard, smelled or met a real mc
Who’s incredible or on the same pedestal as me
But yet still unsigned
Having a rough time
Sit on the porch with all my friends and kick dumb rhymes
Go to work and serve MC’s in the lunch line
When it comes crunch time
Where did my punch lines go?
Who must I show?
To bust my flow
Where must I go?
Who must I know?
Or am I just another crab in the bucket
Cause I ain’t having to run with this little rabbits but fuck it
Maybe I need a new outlet
I’m starting to doubt shit
I’m feeling a little skeptical who I hang out with
I live like a bum, yo my clothes ain’t about shit
At the Salvation Army trying to salvage an outfit
And it’s cold
Trying to travel this road
Plus I feel like I’m always stuck in this battling mode
My defenses are so up
The one thing I don’t want
Is pity from no one
This city is no fun
There is no sun
And it’s so dark
Sometimes I just feel like I’m being pulled apart
From each one of my limbs
By each one of my friends
It’s enough to just make me want to jump out of my skin
Sometimes I feel like a robot
Sometimes I just know not
What I’m doing, I just blow, my head is a stove top
I just explode, the kettle gets so hot
Sometimes my mouth just overloads the ass that I don’t got
But I’ve learned
It’s time for me to u-turn
Yo it only takes one time for me to get burned
Ain’t no fallin’ on next time I’ll meet a new girl
I can not only play stupid or be immature
I got every ingredient all I need is the courage
Like I already got the beat all I need is the words
Got the urge
Suddenly it’s a surge
Suddenly a new burst of energy has occurred
Time to show these free world leaders the three and a third
I am no longer scared now, I’m free as a bird
Then I turn and cross over the median curb
Hit the burbs and all you see is a blur
I’m Eight Mile Road

I’m a man
Gotta make a new plan
Time for me to just stand up and travel new land
Time for me to just take matters into my own hands
Once I’m over these tracks, man I’ma never look back
And I’m gone
I know right where I’m going
Sorry, momma, I’m grown
I must travel alone
Ain’t gon’ follow no footsteps I’m making my own
Only way that I know how to escape from this 8 Mile Road