works on loan

Dirt

Originally posted by shawnlaveau

When hoodoo was created, most of the people using it did not have ready access to the best ingredients and often had to hide their practice. Consequently, a lot of what was used had to be things people could obtain. This is why hoodoo uses various roots, sticks, herbs, honey, sugar, and other household supplies readily available. There is no exception for dirt. Different kind of dirt is used for different kind of things but some examples include:

Dirt from the crossroads: used for many things including hexing/cursing, summoning certain spirits, opening roads, etc.

Dirt from a bank: Most commonly used in money work. I swear by bank dirt. It adds so much potency to money workings and every time I have used it I have gotten great results. Could also be used in works to get a loan, get approved for a house, relieve debt, etc.

Dirt from a church: This is usually used for works that have to do with cleansing, healing, or otherwise “holy” matters.

Graveyard dirt: A staple in hoodoo, used for many different things including curses, healing, ancestor work, goofer dust, hot foot powder, etc.

Some of these are examples of things that have been used traditionally and throughout hoodoo’s history. However, all types of folk magick utilize whatever you have.

I have in the past used dirt from a car dealership(to obtain a car), dirt from a red ant farm(defensive/hexing), dirt from a destroyed/abandoned building(defensive/hexing), and dirt from a specific apartment complex I wanted to live in. *not all of these are my ideas, but some of them are* 

Folk Magick is and was about using whatever you have around you, and often whatever cost less. Do not ever feel like you can’t do effective, life changing magick with twigs and leaves. You can. Our ancestors did, you can too.

ILL Terms

So, your character either works for Interlibrary Loan, or needs a book or article that they can’t get from their own library. These are some of the terms you’ll use to describe that, although there is wiggle room between libraries.

Lending Pendings: these are what the patrons submit, telling the librarians as many details as they have for the item in question. This paperwork is kept until the book goes back to its home library, or two months after the patron gets their article. These are often not complete, which leads us to:

Verifying: taking the lending pendings and filling in the missing information. This can be as easy as a publishing year and OCLC number, to the really important things like author, or the title of the article. This will sometimes frustrate your character endlessly. I once got a request that just had ‘ptarmigan’ in the title, and no other identifying information. If something can be left off a request, your character will find it left off the request. Plan accordingly

OCLC: Online Computer Library Center. In theory, these guys have a complete record of everything that’s ever been published and, depending on how you access it, will sometimes also tell you what libraries close to you have the item. In actual practice, things are never that easy. They will give you the OCLC number, if it exists, which is a unique 8 digit code, although it’s just reached nine digits in some cases. This number is your character’s Holy Grail-if they find it, they can use it to find only information about the specific item.

WorldCat: World Catalogue, which is a relative of OCLC. WorldCat is what will actually return the information when your character makes an OCLC search

Alma/Clio/Ariel/Primo/Millenium/Article Exchange: These are all various softwares that are used to check out books to patrons, and to send them their articles in a way that leaves a permanent record. I can talk more about these later, but for basics: if your character has to use Ariel for any reason, they HATE IT.

Ebsco: this is a common article search website, and can be filtered to search for article titles, OCLC numbers, or keywords. Sometimes it has results for books, and depending on the library, some full-length PDFs of articles can be found on it.

Processing: I know it’s very basic and bland, but that’s what it’s called when we enter the book/article information into our system and make it so we can give it to our patrons

Customs Forms: If your character ever gets a book from another country, it will need a customs form attached to the package before it goes back. The forms are tiny and annoying to fill out

If you guys want me to go into more detail about anything, just let me know! I’ll also whip up a post about the different kinds of paperwork that an ILL person deals with on a daily basis some time in the near-ish future.

-The Librarian

I was thinking about this the other day and realized that there is a better way to think about it than “I will literally be in debt for the rest of my life,” and that is “I live in a society in which I must pay a lifelong tax so that I can do the work that I love.”

Because that’s what it is. Every month I will pay this affordable but not insignificant cost because the alternative would’ve been to do something I hate or merely tolerate. I could’ve been a mediocre programmer or a mediocre scientist who dreads going to work every day and constantly fears getting fired for their mediocrity, but instead I will become a fantastic therapist. People will seek ME out for my expertise. I will be not only in demand, but also fulfilled and engaged and actually helpful to others in some way.

And yeah, it’s still totally bullshit that we’ve set things up that way–that we’ve decided it’s reasonable to saddle a person with a debt nearly five times their starting salary–but at least this isn’t *my* shame or failure. That’s why I don’t mind posting this at all. Anyone who thinks my debt reflects my worth or even my financial savvy can pretty much fuck off. Anyone who thinks I ought to be miserable or extremely stressed or at least a little ashamed because of this now knows better.

LIfe

Wonder why people can’t accept that I messed up my life? They always making excuses in my behalf. College is a #mistake I have to live with for the rest of my life. It was all my fault. No one force me to go. No one put a gun to my head and sad I had to go. I sign on the dotted line when it came to student loans, not my parents for anyone else. Got degrees with no employment prospects. It is my fault. No one else’s. It was my arrogance and ego that did this to me. #collegedebt #studentdebt #college #arrogance #ego

anonymous asked:

it's ridiculous that your teacher doesn't notify you about a school trip especially one that costs so much money. you should send a complaint to school or something

yeah i did !! i sent her an email telling her i didnt have enough money for it and she replied really passive aggressively and sai d “well you dont have to go but this trip will affect your grades, the project based on the trip will be 30% of your final grade, this was your final chance to pass this class” LIKE I WANNA DIEEE its so unfair!! its so unfair, i missed the one class where she was talking about the school trip and i didnt even get an email or anything !! and she said “well thats what you get for not attending class” im seriously so stressed and its so unfair ;________; 

The American working and middle class has been left behind by globalization. We live in a world now where the wealthiest 62 people have as much wealth as the poorest 3.6 billion - half the planet! In the United States, workers don’t have jobs, people can’t afford to pay back their college loans. The one thing that left right and center are clear about is that the system is not working, and the system can’t fix itself.
—  Tom Morello, famed musician, social activist​ and member of Prophets of Rage
TUMBLR PLEASE HELP!!!!!

Tumblr friends… I am a nobody here and I am hardly a good friend or anything, even though I try, but I’ve seen how people are here and the main reason I stayed is because people have a beautiful heart in here and everyone tries to help out each other and I honestly don’t know who else to talk to. 

 Mushu, my schnauzer, is the love of my life. I found him on the street 6 years ago and he’s been my best friend ever since. 

I currently do freelance work (design & illustration) for a living which has been helping me pay my bills and everything, but my family has been going through some financial crisis and I’ve been trying to help out as much as I can, which means that even though I’m making enough money to sustain myself, pay for a veterinarian and Mushu’s needs, and helping out my parents and siblings a bit, I was not prepared for this: 

 MY DOG WAS POISONED 

 Some fucking crazy stupid people have been leaving poisoned breadcrumbs at the park and there was a massive bird killing and pet poisoning going on today at the park. I don’t know what the fuck is going on, I’m here at the hospital with him, and I just don’t know what to do, they told me he was going to make it but he’s going to need intensive care, I can pay for part of it but he’s going to have to stay here until he gets better and he’s going to need many meds afterwards and I don’t know what to do.

 I’ve tried exploring all my options, loans, credit, family members or friends who can help me out but I’m still short for what would be around $1400 and I can’t seem to find another immediate option and the hospital wont let him stay unless I pay and I just… Please… I am truly desperate… 

 I’m asking for work
Trades
Loans
Donations
Reblogs
Anything just anything that could help. I’ll work for you, I’ll do anything just please help me save my best friend’s life… I don’t know where I’d be right now without him.
I don’t even know how donations or any of this works but please inbox me if you can help. 


Thank you so much for reading


EDIT: Today is August 8th, 2015, I’m in Mexico City where it’s currently 1:34 am, please check my tumblr for updates about this because this is merely an emergency, thank you so much!!!!

So I’ve officially decided that my time off before grad school is going to continue for as long as I need it before I’m financially stable. It’d be irresponsible and reckless to gather more debt from grad school before I am settled and in a place where I have no credit card debt and can work on paying off my loans without panic

If that means being able to find a job in the field I want in the interim, awesome. If it means I have to nanny or something else somewhat “off course”, then I’m okay with that too

I’m getting more comfortable with the idea that I don’t need to make a conventional beeline to “adulthood”. I can take breaks and pauses and detours to make sure I am taking care of myself properly

I’ll probably live with my parents to save money while working and paying everything myself. It’d also be nice because then maybe they can manage to get away on vacation from time to time with me there to watch the cats

I just can’t wait to get through these last few months of stress with my parents paying my rent, after which I can take worry off both them and myself

I feel good about this. It’s not the ~traditional~ route and I won’t be at an amazing school or program like some other people, but that’s okay. Everyone’s path is different and I’m learning to be okay with the uncertainty of mine

crylorenlo  asked:

Modern!AU where reader finds herself auctioning her virginity on one of these nasty sites because her mother was abandoned with monstruous loans. Working at two places and studying is not enough to make money in such a short time. Kylo pays her debt and they meet up at fancy hotel. Afraid, she is met by a young man that jerks off and drives her home. Little she knows is that those who lent the money to the buffoon of her father work for Kylo Ren, the name even the law fears to whisper.

You knew this was a mistake the moment you decided to meet up with this stranger, but it was too late and you were desperate. Your mum had been given three weeks to raise two hundred Euros in order to keep the house, a house which was having the electricity cut in a fortnight, had barely any running water, and your mother and you had barely eaten anything for the past two days, because you only had enough food for the younger children, yet here you were, in the lobby of a fancy hotel waiting for what was either going to be your saviour of your death.

Your mother didn’t even know you were here, and you knew she didn’t really believe you when you told her you were doing to hang out with some friends, but she was too busy wondering where the next meal for your two younger brothers would come from to really worry too much about you. She knew you were tough, but she still told you to be careful.

You needed at least one thousand Euros, which would cater for the money mama needed for the house, some bills, some food and some of the debt your father left you all drowning in. This gentleman that had paid it to you - he told you his name was Ben - said that he really didn’t need you to pay him back in any way, but you insisted on meeting up with him anyway because you wanted to relay your thanks in person.

He wasn’t what you expected. He was in all black from head to toe: black hoodie, black chucks and black jeans. He booked a room for the two of you, and when you got into the room, he told you to make yourself comfortable because he needed to take a shower. Never having been in such luxury in your life, all you did was stare around, picked a little bit on the fruit and reading the magazines on the table, as Ben was in the shower. He seemed to be in there for a while, and you were sure you hears some…sounds, sounds that caused you to blush profusely, but you decided to ignore it. It was still always at the back of your mind, because he was a very attractive man.

When he came out, he asked you if you needed anything else, any help or any more money. You shook your head no quietly, but he gave you a card, blank with nothing but his name and his number on it and an extra five hindred Euros in cash before dropping you home at one thirty in the morning. You also noticed that he never left until he was sure you were safely in the house.

Now your next challenge would be to explain to your mama how you got all this money.

2

“Compared to a high school diploma, just getting a degree from a two-year school, going to a community college and getting an associate’s degree could earn you more than $300,000 over the course of your lifetime. And a four-year degree earns you a million dollars more than if you just had a high school degree. Think about that. A million dollars—that’s real money. So one of the things that we’re trying to do is to make it easier for you to access free money for college—to figure out how you can pay for your college without having a mountain of debt. And the key thing…is to fill out your FAFSA, the Free Application for Federal Student Aid…What the FAFSA does is it puts you in the running for scholarships, grants, loans, work-study jobs, all to help you pay for college. And we’ve made it simpler than ever. And it’s available right now at FAFSA.gov.” —President Obama speaking today on ensuring every student has the opportunity to realize their potential.

I have no time to deal with this petty ass drama. I got real world issues and I gotta keep my focus on the grind. If you can’t keep your man in check, that’s not my problem. I didn’t make any intentional moves on him. You all can inflate the story however you want and unite wth people who also don’t like me. But the truth is, I gotta worry about work/networking, 401k, car loans, insurance premiums, investment properties, stocks, PMP certification, FSOT, tax legislations, and incoming bills.

I’m trying to better myself and build my own empire. I’m not going to settle in this small ass community. I’m going above and beyond and I don’t need this drama to cloud my vision.

Don’t need people that don’t support me.
Don’t need people to bring bad vibes.
Don’t need people who only talk about gossip, pop culture, and school.

Surround yourself with successful people who will make you a better person.

Magickal Uses of Dirt;

When hoodoo was created, most of the people using it did not have ready access to the best ingredients and often had to hide their practice. Consequently, a lot of what was used had to be things people could obtain. This is why hoodoo uses various roots, sticks, herbs, honey, sugar, and other household supplies readily available. There is no exception for dirt. Different kind of dirt is used for different kind of things but some examples include:

Dirt from the crossroads: used for many things including hexing/cursing, summoning certain spirits, opening roads, etc.

Dirt from a bank: Most commonly used in money work. Bank dirt. adds so much potency to money workings and produces great results. Could also be used in works to get a loan, get approved for a house, relieve debt, etc.

Dirt from a church: This is usually used for works that have to do with cleansing, healing, or otherwise “holy” matters.

Graveyard dirt: A staple in hoodoo, used for many different things including curses, healing, ancestor work, goofer dust, hot foot powder, etc.

Some of these are examples of things that have been used traditionally and throughout hoodoo’s history. However, all types of folk magick utilize whatever you have.

You can use dirt from a car dealership(to obtain a car), dirt from a red ant farm(defensive/hexing), dirt from a destroyed/abandoned building(defensive/hexing), and dirt from a specific apartment complex u want to live in.

Folk Magick is and was about using whatever you have around you, and often whatever cost less. Do not ever feel like you can’t do effective, life changing magick with twigs and leaves. You can. Our ancestors did, you can too.

okay so here are my choices:

1. use the $14000 my grandparents have saved for one year of classes at a community college nearby and use a student loan + work to pay for the second year, earning an associate’s and avoiding an overlarge amount of student debt BUT losing the edge in the art world without that bachelor’s or brand-name education (and on a personal note, i’ll lose the edge on art skill development for sure and the social comfort of a school of artists)

2. use the $14000 from my family, the 17000 merit scholarship for all four years, plus an immense ~$16000 loan for the first semester of classes at SAIC, and continuing to rake up debt until 2021, at which point i will be somewhere around $170,000 or more in debt if I can’t make enough money to pay it off sooner (which is highly unlikely despite work-study and chicago wages)

3.  use the $14000 my grandparents have saved for one year of classes at a community college nearby and use a student loan + work to pay for the second year, then transfer to SAIC for the last two years to earn my bachelor’s; losing that merit scholarship, i’ll have to pay $37400 more, putting me at about $89,000 in debt for SAIC alone and about $103,000 in debt overall.

oh and with the community college options i still have to factor in having an apartment and a car for travel

so yeah thanks capitalism

washingtonpost.com
Obama to forgive the student debt of permanently disabled people
By law, anyone with a severe disability is eligible to have the government discharge their federal student loans. The administration took steps four years ago to make the process easier by letting people who are totally and permanently disabled use their Social Security designation to apply for a discharge, but few took advantage. The Department of Education is now taking it upon itself to identify eligible borrowers and guide them through the steps to discharge their loans.

This has been a thing for a little while, but it certainly bears repeating! If you can get the certification (that’s definitely the trick here), it can work for some private loans too.