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Possibly A Webcomic?

@musicalzombi

Hey all, also go by RuhRo7 on here. I do tend to reblog a lot of things so have fun with that!
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Screaming crying because I hate every piracy guide I come across on here.

HERE IT IS

check out my piracy guide GOGOGOGO

STEAL MAIM KILL!!!

tell me if i got any more splainin todo. i am open to suggestions. reblog this so more people can pirate. DO IT!

THE REVIEWS ARE IN

thank you so much for the support over the last three days! i got over 10k hits on the website!!!

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i wish i could upload faster/more often but i have been busy & tired. i did make a number of small updates today though! including links to VPN leak checks, where to find roms and emulators, more torrenting sites, and a small dictionary section that has VERY SIMPLE definitions of some words that i used.

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This is legit the only piracy guide I’ve seen on tumblr that is not full of terrible advice go read and do this rn or else

Rich people don't buy things with money. That's why they're rich.

It's called SECURING FINANCING. And when you read that you probably thought: "fancy word for getting money."

You would be wrong.

'Financing' is, for the business world, "promising that if you DO need to pay for something, you'll have enough property and IOU's to call in that you could afford it."

When a person "secures financing" or has a "letter of guarantee," that just means they've figured out what fancy property they're going to use as collateral. "If this deal falls through, I will sell my lambo and you can have my house in Palm Beach" is about what "I have secured financing" means.

Why are rich people guaranteeing things with vague promises of selling specific pieces of property on the off chance that someone calls to collect on something? Because rich people really aren't... paying for things most of the time. If you have a bunch of fancy property somewhere that you 'own,' and you're constantly promising it to other people or lending it out, technically no cash has changed hands and there's no good way to calculate taxes on it. As long as you can wiggle around on your property taxes, paying for things with a promise and a prayer is just fine once you're rich enough. This is because rarely will a debt ever be called in.

However... some problems that often arise from this:

  1. You can promise the same piece of property to two different people and if one of them never tries to claim it, then neither of them would ever know the ownership was in contention. This is especially possible if the party who is verifying your ownership of the property is also working on behalf of you secretly. You can even purport to own property that you don't own at all, and if the debt isn't called in, no one would ever know that you lied about owning the Mona Lisa.
  2. You can lie about how much the property being used as collateral is actually worth, making you seem wealthier than you really are.
  3. Property changes value over time. If the property in question is stock shares or other investments, market activity will cause its value to fluctuate constantly.

Now, I know what some of you are thinking. "But I've always been told rich people are smart with money. You're telling me they don't actually have any?" And, yes. I am telling you that according to these people the smartest thing to do with money is to not have it at all but to convince others that you actually have it, then let them pay for everything. I'm telling you that a lot of rich people's purported frugality is them hiding the fact that they can't actually pay for anything on a day to day basis and they need a friend or employee's help just to buy a coffee.

Often enough, the illusions catch up with them.

I’m loving this show that explores the Horror of Isekai, from the perspective of the people who’s world keeps getting invaded? like having all these unstable teenagers with god-like power and knowledge of advanced technology enter your medieval fantasy hamlet would definitely fuck things up, and it’s cool to see that finally get acknowledged!

(it’s called the Executioner and Her Way of Life and is currently airing)

i think absolutely the funniest thing about like, the adfree tumblr subscription coming with the option to turn ads back on anyway so you can see the weird ad everyone is talking about, or the new promoted post feature and everyone immediately thinking about what kind of stupid shit to put on other people’s dashboards. is that for years execs have been struggling for a way to make tumblr profitable when its userbase is so actively hostile to being advertised to and thus extremely unattractive to the big advertisers that keep the majority of other sites afloat, and have been passing tumblr around from company to company like a hot potato as a result. and now the solution is to like. only allow the stupidest most insane ineffective advertisements and then give users the tools to make even more insane and ineffective advertisements. i just really like that this site is so impossible to advertise to that they just kinda gave up on doing it the conventional way and are now letting us prop up the empty defaced husk of advertisement and parade it around for our amusement. i also really like that this is a perfectly double edged sword because the more people see your post the more attention you get and everyone knows attention is a punishment on tumblr dot com. i love it here i’m never gonna leave

Please do not let debt collectors play in your face.

I am super busy so I honestly don’t even know if I should be taking the time to write this, but hopefully this will help those of you who may find yourself in a similar situation.

Earlier this year I received a letter of notice from a debt collector stating that they had acquired a debt supposedly belonging to me and that, per law, I have 30 days to dispute the debt. I immediately drafted a letter and sent it to both disputing the debt and request validation of the debt as well as possible settlement arrangements had they actually been able to validate said debt

I sent this letter via certified mail. Always certified mail.

About a week after the 30 day period for them to respond expired, I received a Phone call very specifically crafted in a way to invoke urgency and panic and suggest legal action. So, naturally, I called this number only to discover this was a different company that had only just recently acquired said supposed debt. I reiterated to them that I was disputing this debt and required validation in writing.

The initial conversation went smoothly, they then called me back the next day and became aggressive. They accused me of lying and did everything under the sun to try and trick me into validating this debt as mine so that they would not have to legally send me that validation. I, knowing my rights, insisted that I was disputing the debt and that they were required to send me validation despite them claiming that they were not and that they already had and many other number of lies. I refused to continue the conversation until someone had sent me validation to which they continually responded that they would be forwarding this to their legal department and blah blah blah blah blah.

Surprise surprise, I get a phone call today from yet another company, this one claiming to be in the process of forwarding my account to the county clerks office. That was an immediate red flag as the county clerk does not handle debt disputes. They would have to hire a lawyer in my state to handle this case. I asked what company this was as they had not stated initially, and when they told me I realized this was now another company who had purchased said alleged debt and we’re trying to collect on it. this one outright illegally threatening to take me to court knowing they weren’t.

Beyond that, he tried to lie to me and tell me that a debt validation was not what I thought it was and that a validation was actually just a notice that they had purchased a debt so when I received a letter stating that they had purchased this debt that would be a validation.

That is not true! Debt companies are legally required to send you notice of an allegedly acquired debt in writing and you have 30 days to dispute and request that validation. The company then has 30 days themselves to respond and validate your debt or the debt is forfeit. This man tried to lie to me and tell me that a notice was the same thing as a dead validation in order to trick me into paying a debt that he cannot validate that I am actively disputing.

This is now the fourth company that has attempted to collect on a debt they cannot validate. They know they cannot validate this debt and instead have relied on trying to trick me into paying it. These tactics would absolutely work if I did not have a sales background and or know my rights.

And this ladies and gentlemen is why you always always always dispute a debt. The last debt I disputed was immediately pulled from collections and that allowed me to get back in contact with the original creditor and work out a payment plan so that it would never hit my credit and keep my account with them current. This debt is invalid and therefore they cannot hit my credit with it nor can I collect on it or I will sue them.

If you guys have any questions about dealing with that collectors please ask me.

I’m not surprised they gave you the long ass run around on this.

For anyone that has a debt sold to a Collections Agency do exactly what OP did and request debt validation (Google-able). Most of the time, the Original company you owed debt to did not give them your Social Security Number or your date of birth; just a good phone number and address. In order to be held legally responsible for it and to be on your credit score, they need your SSN or DOB to prove it’s yours.

Usually, they’re initial call will say “Hey so before we can discuss your debt of $Xxxx, we need you to verify your SSN and DOB.” They’re lying. That means they want you to confirm it so they can legally pin that debt to you. If you send a Debt Validation letter VIA CERTIFIED MAIL, that Collections Agency has 30 days to prove you owe the debt and that it does in fact tie to you. Since in most cases they can’t, they’ll send a letter saying “We don’t have the necessary information to collect on this debt. It is now null and void.” Send copies of that to the credit bureaus, and they wipe it from your credit report.

With OP, they did the shadiest thing possible by constantly re-selling the debt, thus starting over that 30 day response period.

Never pay a debt unless you’re certain that you owe it. Especially if it’s for a deceased relative. Debt collection companies are especially predatory during the grieving period asking you to “Pay down the debt” or “Clear their good name”. Unless you (co)signed, don’t give them anything. The debt will get written off on their taxes. If you do pay, you’re locked in on that debt. You basically showed “willingness and ability to pay” which is all they need.

this is US rules btw

just to emphasize the last point: the collection agency may actually have the information they need to tie you to a debt that’s yours, so you might end up having to pay. but they CANNOT make you pay your own money to clear a dead relative’s debt. all of those debts have to come out of that relative’s money, and if there’s no money left, too bad! cost of doing business.

PLEASE READ & REBLOG THIS SO EVERY ONE WILL BE AWARE OF HOW TO HANDLE DEBT SITUATIONS, ESPECIALLY WHEN YOU DON’T OWE THE DEBT.

hiya this might be a hot take but do not base your positions or morality on guilt. it can, will, and does make you defensive. base your opinions on compassion, reduce the harm you create, and do not spend forever agonizing about things you cannot change. worry about what you can do, care about others, and listen to new ideas and different people. if a person is criticizing something, try to figure out if its an action or an institution. if it’s an action, reflect on whether you participate in it. if its an institution that you are a part of, figure out how you can help to dismantle it. your guilt is unhelpful and worsens both your life and the help you give others, I say this from experience.

Reblog if you write fan fiction

Doesn’t matter if you write in a frequent basis, or once in a blue moon, just how many of us are there?

I keep forgetting what the differences are in the over the counter pain relievers, so I made a handy chart.

This Is Important.

I always had really really horrible growing pains as a kid.  Like, I clearly remember being curled up on the floor crying because it felt like some evil person had stuck a fork in my calf and was twisting it around like spaghetti.  Mom always had me take ibuprofen for it, and when that didn’t do anything, she just gave me more.

Now the stuff barely works on me, even when I take it for the things it actually fixes.

Please, please, double-check to make sure you’re taking the right medicines for your pain.

My mom always gave me tylonel for period cramps as a kid and it never did anything. It’s nice to know now that she was literally giving me the least effective option

And please PLEASE note that as the chart says, acetaminophen “can be taken with NSAIDs”, which means you can take Tylenol/acetaminophen AND one of the other listed pain-relievers.

My mom has been a doctor for 40+ years, and her standard advice for headaches is, take two regular-strength Advil, and then if that doesn’t work, ALSO take two regular-strength Tylenol.

For my British followers, Acetaminophen is Paracetamol!

This picture from Syria protesting war in Ukraine actually made me tear up.

Abandoned by the world, destroyed and still having enough compassion to think about others.

Ukraine, 26th Feb, 2022

A friend of mine told me yesterday that he didn’t realise how much Ukraine meant to him until now. I posted yesterday about the time we spent there, and we’re all getting super pre-occupied about the invasion. As I said in that post, I can’t get our waitress out of my head. I can sort of remember what she looked like now. She had an undercut. I think maybe her hair might have been blue? But - I will never know if she lives through this, and it’s driving me very slightly mad.

So naturally, my husband spent all day yesterday obsessively researching everything he could about it with the help of his journalist friends, as a way to help me process it.

This post is me putting it all in order, as a way to try and process my own emotional response as much as anything else (I freely admit there is an element of self-indulgence here). Please don’t take me as the spokesperson for Ukraine right now, nor as a solid reliable news source. But, I haven’t seen this stuff except in bits and pieces on Tumblr, so here we go.

(This is also not about why the invasion has happened. This post is solely about what has happened, and how the invasion is going.)

So, Putin and the rest of the world believed that this invasion would take 1-4 days. The plan was to push through fast, take Kyiv, and force Volodymyr Zelenskyy, the Ukrainian President, to surrender. Given Russia’s military might, it really looked likely.

Here is the conclusion of all that’s happened so far:

Ukraine is absolutely nailing this??? Actually???

They managed to defend every single city overnight, including Kyiv. They started rolling out and using these WW2-style anti-tank thingies that look a bit like angry gabbions, look, here’s a picture of one being delivered:

A bunch of spare iron girders turned into a hefty octopus of Russian misery, basically.

But it’s not just tanks they’re taking down, oh no. Ukraine successfully shot down a transport plane 20km from Kyiv. That is, I shit you not, the single biggest hit to the Russian military since the Second Chechen War. Volunteers from Lithuania, Poland, Latvia, Estonia, Azerbaijan and Israel are all entering Ukraine to help fight and bolster the anti-Russian forces, which is probably illustrative of how Eurovision voting is going to run for the next decade. Most countries have banned Russian planes from their air space. To help stop the Russian advance, Ukraine has made and installed new road signs, like this one:

I can only say a handful of sentences in Ukrainian, Tumblrs, but as I understand it, from top to bottom, it says:

“Fuck off”

“Fuck off again”

“Fuck off Russia”

Meanwhile, it turns out the Russian military might we feared is… possibly not quite as advertised?

They’re underfunded and badly trained. Ukraine captured 200 soldiers in one go, and most of them were confused 19 year olds with no training. The equipment is shite. The tanks keep running out of fuel. Russian soldiers keep abandoning their tanks and handing them over to the Ukrainian army. Putin’s plan was to take Kyiv fast and move on, and he didn’t have a plan B - hence these kids, playing soldier. Here is an image of a Russian tank receiving roadside assistance from Russia’s finest, an old Lada.  

No one expected Zelenskyy to survive the night; but he did. America offered him asylum in the White House.

But he said no. 

Zelenskyy remains in Kyiv, with his people.

And Putin, in his desperation to be adored, has turned Zelenskyy into a global icon and hero.

Here is something you may not know about Volodymyr Zelenskyy - he used to be a standup comedian. Was he any good? No idea - but what he IS good at is producing funny short videos he can put on Twitter and that, which are absolutely fantastic for Ukrainian morale. And morale is vital in an invasion like this, and Ukraine are smashing it out of the park there.

They are utilising the internet to its fullest extent. In addition to Zelenskyy’s videos, they’ve made sure that the final words of the Ukrainian defenders of Snake Island are known and now echoed around the world: “Russian warship, go fuck yourselves.” A video has gone viral of Ukrainians mocking a group of Russian soldiers whose tank had broken down and who didn’t know the way to Kyiv anyway, presumably because of all the new road signs. They have created a website that lists every single Russian death they can identify, partly so Russian mothers can have closure (thus also painting themselves as the defenders of decency and humanity), and partly for the enormous morale boost of the world knowing, categorically, that they’ve already killed 3700 Russian soldiers (over 100 of which were from that transport plane.)  Not one word has leaked of Ukrainian casualties. I’m sure they’re devastating, but for morale purposes, they’re being kept quiet until the dust settles. Ukrainians have started setting up fake Tindr profiles to catfish Russian soldiers for intel, and they’re all 19 and lost, so it’s working. Plus, they’re using Grindr to actually track where the soldiers are, because it turns out Putin was not entirely correct about there being no gays in Russia.

So, Russia wants to cut their internet access. Can the Ukrainian Minister for Digital Transformation, Mykhailo Fedorov, shame a billionaire into providing aid?

This is crucial, remember. Atrocities happen best in the dark, and the world is watching - because of the internet. Morale is vital to maintain. Can they convince Elon Musk to help?

Yep.

Ukraine now has the fastest internet service in the world. The fastest, most stable internet service in human history, in fact. Russia cannot now disable it. The world watches.

Which is just as well, because then Anonymous decided to get involved, and have leaked the website database of the Russian Ministry of Defence. Lol. Also this happens:

And then the Russian propaganda channels started broadcasting the truth of what is happening in Ukraine. Double lol.

So what is the political response?

Well, in addition to closing airspace to Russian planes, loads of countries are sending weapons to Ukraine. Those that can’t are offering asylum. They’re also offering asylum to any Russian soldiers who surrender or defect, which is startlingly good tactics, and there are rumours of around 5000 Russian soldiers who have done just that. Germany, of course, has long had a block on lethal weapons transfer; but Germany recognise this shit for what it is. They’ve lifted the block, thus allowing the Netherlands to send weapons. Efforts are now underway to fast-track Ukraine into the EU. I presume they will consider the lack of pint glasses with crowns on to be a worthwhile price to pay.

So what about Russia’s supporters?

Belarusian leader Alexander Lukashenka helped Russia with this invasion. Now, this has happened:

Sviatlana Tsikhanouskaya was actually elected president, but some wild nonsense kept her out of power. She’s now running a government in exile. I have literally no idea what this means or will mean! But my god. She has a spine of steel, and this is not a good time to be happening for Putin. 

And it’s really, really not, because then intel on a meeting of Putin and assembled Oligarchs LEAKS (hello Anonymous, probably). The highlights:

  • This war is costing Russia $15bn a day
  • He expected it to take ONE TO FOUR DAYS TO WIN
  • It’s been two days and he is losing very badly, currently
  • They will run out of rockets by day 4, maybe sooner
  • After that they will be down to rifles and ammo
  • It will take 3-4 months to make more significant weapons, except they need raw materials, and the countries that can provide them… have cut supply lines
  • If the war lasts 10 days, Russia will have completely run out of money and weapons
  • It’s only day 2, and Russian soldiers are knocking the doors of random Ukrainian homes begging for food and water because they’ve already run out

So, out of desperation, Putin turns to his greatest, closest and most trusted ally for help: Kazakhstan. 

And Kazakhstan

SAYS NO

And then Ukraine shoots down a second Russian plane.

Anyway, I’m going to finish off with a final point. Morale is vital in this situation, so here is the message from the Ukrainian government at the minute, to everyone watching around the world:

Be VERY SUSPICIOUS of any negative news about Ukraine. Russia uses misinformation and propaganda. They will want to damage Ukrainian morale.

Use your social media to spread news of Ukrainian victories. 

Don’t give oxygen to negative stories. Especially since they might not be true.

That’s genuinely something we can do to help. Every victory of Ukraine, blast it far and wide. So on that note, I’ll leave you with this:

Congrats to Natalia Antonova’s cousin’s son.

It's funny that this caused Russia to get kicked out of Eurovision but everything Israel does to Palestine doesnt warrant that somehow

@damascusforge There's nothing to apologize for. You said it way better than I could have

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TO UKRAINIAN FRIENDS

If you are looking for an emergency exit from Ukraine, Poland will open EIGHT safety points on the border with Ukraine (you will get warm food, medical help and from there you will be guided to safety) in two of our voivodeships: lubelskie and podkarpackie. It is confirmed by the Polish Secretary of State in the Chancellery of the Prime Minister, Paweł Szefernaker.

SOURCES:

I've marked those voivodeships on the map!

Please share because it can save lives!!!!!!

To Ukrainian people 🇺🇦

If you want to come to Slovakia 🇸🇰, you can find all the information here in Ukrainian:

English version here:

  • the border is opened, you don’t even need a passport, there are “hotspots” at the border were people can register and enter Slovakia
  • there are tents near the border where your can stay and rest
  • all train tickets are for free, there is police and firefighters waiting at the border, even volunteers that can drive people where they need
  • if you don’t have any family here, don’t worry, we´ll find a place for you
  • you can enter Slovakia with your pets, too
  • you’ll get health insurance

Please reblog