critically-yours:

diloolie:

feetlips:

cherryseltzer:

i just got a super predatory debt collection letter. it was for a $113 debt from citizens bank, who i had an account with when i was 16 (20 years ago). the letter appeared to be an offer to cancel the debt if i paid them $22.75. HOWEVER, the actual wording is, “The amount of the debt is $113.77 and we will accept $22.75.” so, no MENTION of canceling the debt, but the implication is there because many collectors of current debt offer to settle for a percentage.

at the bottom of the letter, it says:
“Because of the age of your debt, we cannot sue you for it and we cannot report to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making payments on the debt or making a written promise to pay.”

basically… i don’t owe this money anymore, the debt is so old they can’t legally sue me for it OR put it on my credit report, BUT if i take their generous offer of paying them $22.75… they can sue me for the full amount because making a payment makes the debt current.

no thanks, jefferson capital systems llc.

always, always read the entire letter! it is so important because of semantic awfulness like this! 

https://youtu.be/hxUAntt1z2c

On mobile so I can’t embed, but this John Oliver video on debt and debt buyers goes into exactly why and how OP got that letter.

banks are evil

twotransforyou:

wolfforce58205:

lyrslair:

prismatic-bell:

motherstrawberry:

hanari502:

Alright shitstains listen up because I just found god in a bottle.

If you’re a nerd like me your body’s probably riddled with a few nerd tattoos yeah? Some of ‘em in some pretty obvious places? Maybe you work in a professional environment that frowns upon body ink? Maybe you’re a cosplayer and you have some revealing outfits that you need to cover up for, yeah? Tattoos that you can’t afford that $30 Kat Von D Tattoo cover up because you’re a cheap broke shit?

Story of my life bud.

Now I have a pretty obvious Squad 11 tattoo, because I’m a Bleach nerd and Zaraki Kenpachi is my husband, and honestly it’s difficult to hide it in some of my cosplays because it’s bright and black and right smack dab on my shoulder. Poor planning on my part but hey, squad represent.

You see that glorious miracle up there? That’s Mehron Tattoo Cover. You see those pictures underneath it? Tattoo? What fucking tattoo?! It’s gone!!!! Vamoosed!!! Like I never got the ink in the first place!!!!

This shit is durable, and I mean durable. It’s completely waterproof and that first picture of my tattoo is actually what it looked like after scrubbing at it with two makeup wipes. TWO. It’s not going anywhere

And the best part? 

IT COMES IN DIFFERENT SKINTONES. BAM. WHAT.

I mean it’s not phenomenal but hey at least it’s not just “pale as fuck”.

And you wanna know the second best part?

It’s only 12 bucks on Amazon

Yeah. $12. Not $30. Because $12 is much more reasonable than $30.

As for size reference, that’s how big it is in that third picture right there. It’s honestly the best investment I could have made and everybody should know about it.

Go forth and conquer with your newfound knowledge. You’re all welcome.

As someone who used to chair a stage makeup department, Mehron and Ben Nye are going to be cheaper and better than whatever concealer/orange eye shadow/green lipstick whatever weird tutorial you found or expensive-ass luxury concealer.

Why you ask?

Because Mehron and Ben Nye are stage makeup. They’re meant to give thick, full coverage in one layer that can stand up to cameras and stage lights. Blend it out, powder it, and you’ll never look back. Plus it’s cheap enough that you can buy 2 and mix the perfect shade. 

This will work on scars, too.

Just an FYI for folks I know who may want to cover for cosplays, work, or personal reasons.

Honestly this would be a life saver for people with tats stuck looking for jobs in places that frown on them.

I’ve watched people not get jobs at places I work even though their personalities and experience levels were exactly what we were looking for purely because of personal adornment (tattoos, piercings, etc.). So to anyone who might need a product like this, I hope you see this post.

Reblogging in case anyone wants to know how to hide scars specifically.

Fandom Gothic

red–thedragon:

kari-izumi:

dedicatedfollower467:

  • You are 187 chapters into this fic. You have been reading continually since you began. You must find out what happens next.
  • An unfinished fic ends on a cliffhanger. It hasn’t been updated since April 1832.
  • A new show has taken over Tumblr. You see the gif sets everywhere. Intrigued, you go looking. You cannot find the show. Five days later the posts disappear as if they never existed.
  • Your favorite author posts a new fanfic. It is a different fandom than the one you followed them for, but still one of yours. This keeps happening. You suspect the author may be stalking you.
  • The gifs of the new trailer come out before the new trailer does. People shush you when you question this. You cannot ask questions about the space-time continuum.
  • You find a new person to RP with. You send them a message and they respond two years later as if there was no time gap. It is possible that for them, there was no time gap.
  • This fanart looks nothing like the character. And yet. It looks exactly like the character.
  • A shipping war begins. You watch the body count climb higher and higher as it becomes more violent. Blood streams from your face and you clutch your weapon to your chest. Afterwords, the survivors sometimes stare with blank eyes and mutter “Harmony…. Harmony…”
  • That character is clearly a Slytherin. The rest of the fandom seems to think they are a Huffelpuff. There is something wrong.
  • There is a new coffee shop au for your ship. It is exactly like every other coffee shop au for your ship. It is exactly like every other coffee shop au for every ship. You begin to suspect there has always only ever been one coffee shop au.
  • You dare not say the true name of Binkydonk Cucumbershoots. Demon names have too much power.
  • The Supernatural fans have a gif for everything. They cannot be stopped by mortal means.
  • You begin reading a fic at four in the afternoon. When you next look up it is nearly dawn, and you don’t know what day it is.

I feel called out

  • This fanart looks nothing like the character. And yet. It looks exactly like the character.

did you mean: every unmasked rvb character drawing ever

iopele:

inkskinned:

the older i get the more disgusted by diet culture i become.

there’s a reason it targets young girls. there’s a reason it hinges on making grown women look tiny and helpless and weak. there’s a reason that it is normalized to the extent that what is ostensibly not a healthy act is seen as being a “good” choice and something to be proud of. 

young people are just completely submerged in it. adults forget that kids pick up on fucking everything and they hear their parents and their teachers and everyone on this planet not eating red meat this week or on juice cleanses or denying denying denying themselves (”oh good for you! i’d never be able to be so well-behaved”). they learn really, really fast that “fat” is a funny, not-good, close-to-a-swear word – to the extent that my usually well-behaved five year olds will devolve into crazy giggles because i asked “pass me one of the fat markers please”. they don’t react like that to anything else, just “fat” which they know is bad/off-limits/terrible. 

and we pretend we’re so confused by obesity and by the skyrocketing eating disorder rate – a rate of diagnosed eating disorders, mind you, since disordered eating is now essential to many american eating traditions – and we blame millenials or GMOs or whatever won’t make us look a multi-billion dollar industry in the eye and realize. they literally teach us from a young age what is essentially a restriction/denial cycle that is very close to a binge cycle. they teach us “good” and “bad” and “safe” foods but don’t supply the money for us to obtain those foods (and god forbid you live in a food desert) while also selling us Magical Cures For Magical Transformations. 

and of course it works. you teach people to crash diet and lo and behold their metabolism becomes entirely dependent on your cycle of starvation/refeeding. the statistic that most people gain back the weight they lost isn’t because people are these terrible people have no self control (but they sell that idea to you, don’t they), it’s that their metabolism was trashed and the way they look at food cannot change in the span of a crash diet – if it takes someone with an eating disorder seven years to recover, we understand that, but if someone overweight gains back their lost weight it’s “a shame”. and the diet culture wins both sides, i want you to understand that. they make money of of you either way. they know that you’re gaining the weight back but fucking scrambling – they know you’ll try to buy their product because last time it worked to buy atkins or weight watchers, and they know that when you’re losing the weight, well, goddamn, you’re going to be an advertising board for them because we teach each other that this is coffee-break material, isn’t it. 

and we sell each other on it. we say, “oh this worked for me, you’ve gotta try it.” none of the people we speak to are nutritionists, but everyone on the internet has a degree in medicine, so don’t worry, if you step outside in a bikini and are not unhealthy levels of skinny (oh but it’s healthy if it’s the right kind of skinny), you will be reminded to lose weight. we keep our women running on such low levels of carbs/calories/fats that they’re permanently exhausted, weak, emotionally drained – and then we crow women are just crazy. meanwhile men get the opposite treatment that is unhealthy in a different way – the obsession with masculinity through food, of all things, that salad is “rabbit food” and that a real “man’s meal” is red meat and beer. 

and god forbid you say, “this shit is fucking predatory, it’s evil, it’s controlling people’s bodies” because you’ll get fifty-seven “okay, fatty” comments that miss the point completely, because the companies are really, really smart and they learned: if you call someone fat, you can ignore them completely. and anyone who isn’t “into dieting” is therefore fat and incapable of healthy eating. healthy eating, is of course, defined by the company – but hey! you can help that person realize they’re just a stupid/dumb/ignorant fatty. or if they’re somehow magically not fat, you can tell them, “well, one day you will be.”

and i just know. i know. this shit will continue. it always does.

98rainbow:

dragonfoxkid:

thejusticethatissocial:

lehaaz:

GOFUNDME: SAVE OUR NAVAJO LANGUAGE

“I never learned my Navajo language and I was never inspired to learn it.  As I got older, I realized how valuable our language is to the livelihood of our Navajo Nation. ” -Dr. Shawna L. Begay

Our Navajo or Diné language is in danger of becoming extinct.  Help us create and develop the first Navajo-English educational media TV puppet show, “Diné Bí Ná’álkid Time” which means ‘The Navajo Movie Time.’  It will inspire and teach our youth basic language skills using media as a technology tool. Parents, grandparents, children and grandkids can learn to speak Navajo  fluently together within their own homes.

Long-time friends and educators, Dr. Shawna L. Begay and Charmaine Jackson have teamed up to create this new TV pilot for an all-ages audience or for anyone who wants to learn the Navajo language.  

With your support, it’ll be the first educational Navajo and English puppet show that will teach and preserve the Navajo language and culture through digital media.

After several years of extensive research on the Navajo Nation, Dr. Begay recently completed her PhD from the University of Nevada-Las Vegas with her doctorate thesis, ‘Developing A Navajo Media Guide: A Community Perspective.’ As project director, she quickly realized she was a pioneer on the topic.

“When I decided what topic to study I realized there existed very little research in Indigenous educational media, especially with our Navajo people,” stated Dr. Begay.  “As Navajo people, we have our own learning objectives and Navajo way of knowing is completely different for Euro-Western schooling.  I decided that I had to research and develop our own curriculum guide that is meant to teach Navajo through media.”

Dr. Begay and Jackson, co-writers of the show, developed the first 3-puppet characters and plan for many more. The pilot features Nanabah-a young Navajo girl, Gáh (Rabbit) and Dlǫ̀ǫ̀ (Prairie Dog) who will go on endless adventures learning about language, gardening, the environment and the importance of family values. Nanabah is fluent in Navajo and likes to teach children about life on the reservation with her animal friends and special guests.  Children who want to learn Navajo will also be an important part of the show by interacting with Nanabah, her friends and storyline.

Dr. Begay’s research concluded there exists very little research in the area of Indigenous educational media. Currently media is a very powerful tool that can be used to teach. She is cognizant of the digital age we live in and the opportunities to utilize media to revitalize the Navajo language.  

“Star Wars and Finding Nemo,” dubbed in Navajo, was a great place to start and it has garnered national exposure of our language. However, we need a show based on our own Navajo learning principals our ancestors set out for us to learn and live by. I don’t think a non-Navajo, non-Native or non-Indigenous person can do that for us, nor should they.  We, as Navajo, need to produce this show ourselves, if we are to be truly sovereign,” added Dr. Begay.

Both educators, Dr. Begay and Jackson, of Naalkid Productions have been talking about this educational language project for about the past four years and still have a long way to go to finance their dream.

“With the support of Navajo TV Anchor Colton Shone, our team of Navajo artists, filmmakers, family and friends, this video pilot is a huge step forward,” said Jackson.  “Our journey has just begun and the big next step is finding financial support to create a whole new puppet TV series.”

We aim to raise $50,000 with this project which will allow us to continue with pre-production and production aspects of making this digital media project become a reality.  We need your help to save our language by teaching Navajo to our future generations.

Pre-Production:
-Script writing for the pilot show
-Puppet Development/Creation
-Casting for puppeteers and other talent that will be on screen
-Hiring of all key cast and crew

Production:
-Locations and permits
-Rental of Studio space
-Equipment: cameras, sound, lights, etc.
-Cast and Crew budget

Despite all the notes on this post, they’re still at $13,155 of their $50,000 goal. 

Please keeping sharing and donate if you can! 

what it sits at as of 07/27/18

GoFundMe as of 09/01/2018 Currently: $35,912 of $50,000 goal

fedoraharp:

carnivalofwonder:

voiceofdesert-bluffs:

warpfactornope:

bulletproofteacup:

This scene still breaks my heart each and every single time I watch it.

Azula was a terrible, horrible person. She would have set the world aflame and laughed over the broken carcass of her brother.

But she was fourteen.

She was so ruined and twisted by her childhood and by her nation, driven to insanity by the expectations placed upon her.

Azula was bad and yet I can’t help but feel so terribly sorry for her.

“I don’t have sob stories like all of you.”

SHE WAS FUCKING FOURTEEN WHAT

“My own mother….thought I was a monster.
She was right, of course, but it still hurt.”

actually, i think one of the shows strengths is that they didn’t shy away from what a horrible tragedy this was. even though she was clearly a villain and did unspeakably awful things, this scene was still framed as sad. there was no celebrating- they just look at her sadly.

the music for the battle that leads up to this moment is sad too- it’s an epic battle, visually probably one of the biggest things done in the entire series, and they could have played it with thumping, energetic, dangerous music. but instead it’s quiet and somber. because the whole scenario is heartbreaking, and they know it.

i think the fact that a kid’s show had so much respect for it’s viewers and their ability to understand the complexity of this situation is what makes avatar great.

hi-def-doritos:

solarpunkcast:

thecringeandwincefactory:

trials-of-socrates:

errors-dot-albi:

thatscienceteacher:

theveganarchist:

stfuconservatives:

lesserjoke:

antigovernmentextremist:

gerrycanavan:

Jury nullification. Pass it on.

Jury nullification is so fucking important.

This is something that more people should be aware of, if only because (in many states, at least) defense attorneys are actually prohibited from mentioning it to jurors. The law allows a jury to return a “not guilty” verdict contrary to the facts of the case, but not for the defense to inform them of that power or to argue for its application in the current trial.

I didn’t know about this. Wow.

always reblog

This is SUPER IMPORTANT and also a good reason to show up for jury duty. You know all those laws you think are stupid? This is your chance to maybe do something about it. 

I…. I thought this was common knowledge… signal boosting this because it obviously isn’t!

Did not know this

Jury nullification in the United States has its origins in colonial British America. Similar to British law, in the United States jury nullification occurs when a jury in a criminal case reaches a verdict contrary to the weight of evidence, sometimes because of a disagreement with the relevant law.

extremely important: you cannot let the Judge know YOU know about this or you will not serve on that jury to even try this out.

Jurors can say “Not guilty” when people break unjust laws. This is called jury nullification.