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ACAB

@lunarashen / lunarashen.tumblr.com

Lunar | 17 | he/they | art tag is I draw shit | polyam/gay | acab | BLM!!!!!
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sabrebash

If you follow Selmers to the poetry society meeting in Night In The Woods, this is her poem. I loved it and the themes of the game, and wanted to use it as practice to see if i can control the way readers ‘hear’ the words through images.

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you don't have to pay overdraft fees ever

the biden administration recently cracked down on overdraft fees which means banks cannot force you to pay them as they have become opt-in -- however you do have to call the bank (for example, paypal payments overdraft you even if you have opted out, as they function like checks.)

my experience is with wellsfargo but i imagine that most major banks may operate similarly:

  1. if you have an overdraft fee, call the bank, you will get a machine. go through the autentification process with it but do not mention your issue when it asks you to (specially not the word overdraft -- this is a conspiracy theory i cannot prove but i swear to god they rewire you to more aggressive phone people if you tipoff the machine) instead say "i'd like to speak to a representative" the machine will be like "lol didn't get that" so you may need to repeat it a couple more times before it wires you to a real person
  2. wait! i'd recomend calling as early in the morning as possible to avoid elevator music.
  3. be nice to the customer service person who picks up (i make a point of thanking them for their help and calling them by their name, if i don't catch it the first time i ask them again for it)
  4. my script is something along the lines of: "hi, i noticed there's an overdraft fee in my account that posted on [date]. i am calling to see if we (WE -- you and the representative are a team against the problem) could do something about it" (<- you may decide to be more direct, i just put my innocent hat on)
  5. most if not all of what they say to you is a script. they will be like "i will check that for you with the automated process that takes into account you previous refund activity" BLAH BLAH BLAH. more waiting. if you have had any refunds in the past 12 months, they will be like "sorry the system says no (:" THOUGH, VERY RECENTLY, they have tacked on this question: do you have any thoughts on that / how do you feel about that / etc. though even if they do not prompt you, here's the next step:
  6. say: thank you! i appreciate the automated review, however i do not agree/approve/consent to being charged a fee. is there any way you could check again / anyone else i could talk to / would it be possible to refund it regardless? etc.
  7. they will check again, possibly more waiting, and then you will get an immediate refund! in the rare case they refuse to, here is the link to the FDIC website that you can refer to (note, this is for overdraft fees only):

8. i cannot emphasize this enough -- be nice !!!!!!!!!!! BE NICE! be cheerful, say "thank you" and "no worries" and "take your time!". it is NOT a confrontation, it is NOT their fault, and most of the time the customer service representative wants this to be as frictionless as possible. they are helping you, use the opportunity to make a moment of their day a lot less stressful than they expect it to be.

that is ALL -- i have been using wellsfargo for over eight years, and have lost hundreds of dollars to predatory overdraft fees charged as a punishment for having no money.

during the beginning covid, when they were momentarily suspended (you had to mention covid on the phone to get them back lol), i came to the realization that all of this time they could have been giving me my money back. there was no reason not to, except corporate greed.

do not let phone social anxiety let them take your money from you, now that it is easier than EVER to get it back. and if you need motivation to pick up the phone, remember this headline from a couple of years back lol:

DEATH TO CAPITALISM !!!!!!

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starblaster

i know hearing people on this website love to pass around those posts with links to free sign language lessons but you know you need to actually put effort into learning about Deaf culture, too, right?

more resources, with great help from the tags:

on Hand Talk (aka Plains Sign Talk or First Nations Sign Language):

more for ASL:

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I have exactly one (1) lifehack for every adult thing and that is “admit your ignorance to customer service people”

no, seriously! I know how nothing in adult life works, but I have learned it by calling up the customer service division of whatever agency I am having a problem with and then just asking about whatever the problem is, emphasizing my complete lack of knowledge about the thing.

my actual literal script for these interactions: “Hi, my name is [name]. This is my problem: [problem]. I don’t know how [adult thing] works. could you explain how [adult thing] works?” it fucking works every time.

me: I keep getting conflicting information as to whether my therapist is covered by my health insurance. I don’t know anything about health insurance, so this is very confusing to me. could you explain why this might be happening? health insurance customer service: it’s because your normal health insurance is X company but your mental healthcare is subcontracted out to Y company, and Y covers your therapist but X doesn’t. just always bill Y when you go to your therapist and you’ll be fine.

me: I accidentally put the wrong date to pay my credit card off and I’m afraid it will post before I get paid. this is my first credit card so I don’t know what I’m doing. could you tell me when it will post? customer service person: it will send a message to your bank today, but your bank won’t respond to it until tomorrow when you get paid, so you’re fine. and even if it does bounce, the fee is only $25 and you qualify for a waiver.

me: I went to an urgent care place that said they’d take my health insurance, but now i have a big bill. I don’t know how billing works: can you explain why the amount is so much for such a routine trip? customer service person: it’s because you were out of network at the time. however, since your insurance hasn’t covered the cost of care, the urgent care people should refund you for the cost of the services you paid for. me: [gets actual check in mail for the $200 I spent on testing my pee]

I would not recommend this method for retail (for the love of god, do not tell a sleazy car dealer that you don’t know how cars work), and sure, sometimes you have to speak to the manager or threaten a credit card chargeback or whatever you need to do. but 99% of the time, speaking nicely and admitting to needing help has worked wonders for me, and means I don’t have to stew in terror over doing some adult thing Wrong.

This 100% goes for appliance support as well. If you dont have your instructions or don’t understand how the appliance works or have forgotten the customer service person will CHEERFULLY go through step by step if you admit you don’t know and don’t shout. Usually we can solve the issue, unless you cut your dishdrawer in half so it’ll fit on your boat then i can’t help I’m afraid.

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arrghigiveup

that… that sounds like an awfully specific example 👀

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jaubaius

A bird explaining to a hedgehog crossing so it doesn’t die.

!!! ok but that’s legitimately what it’s doing!! That’s a corvid right there (looks like a hooded crow, to be precise), which means it’s intelligent enough to recognize, a) cars are dangerous and streets should be treated with a certain degree of caution, b) this car’s slowing down for them–cars do that sometimes–which means they’re not in imminent danger, so it doesn’t have to fly away just yet, c) that hedgehog’s still gonna get killed if it doesn’t MOVE, FAST (cars can change speed very quickly and the hedgehog’s still in the way), and almost certainly also d) if the bird does nothing it gets a free lunch.

Y’all, Y’ALL. This bird is consciously deciding to put itself in danger in order to save the life of a very stupid creature. A creature which, if the bird did nothing, could be free food

i can’t - look if you follow me you know I have a thing for corvids, but this is - like!!! People are always saying “ah yes they have sub-human intelligence and don’t consider anything that isn’t immediately necessary for their own survival/pleasure,” but! Whether or not it can do philosophy, this crow is clearly demonstrating compassion. Even if it’s just the kind of compassion a toddler shows to a snail, a social creature that instinctively recognizes the potential for emotion in other beings, that’s still huge and cool and important and corvids!!! are! neat!!! 

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pg-chan

Also, by the car stopping for them, that hedgehog has two other species actively working to help it stay alive for no gain of their own. 

Reminds me of that professor who said the beginning of civilization was when someone took care of another. The broken thigh bone thing.

“Helping someone else through difficulty is where civilization starts. We are at our best when we serve others.” - Margaret Mead

Always a reblog ❤️⭐️

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sometimes i feel like my body is out of control. like im just a passenger in someone elses car. i feel numb, when it happens. i dont like it.

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The Mafia Game

It’s a simple concept. There’s a hidden “mafia” within U.A, and it’s up to the “police” to stop it. It becomes a lot less simple when Izuku Midoriya is chosen as the mafia leader. (Inspired by ‘Hero Class Civil Warfare’ by RogueDruid)

Words: 10330, Chapters: 1, Status: In-Progress, Language: English

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Battle Scars and Broken Hearts

When a simple training weekend ends in disaster, who will be there to help young Midoriya pick up the pieces of his broken heart?

[Tags will be updated with future chapters] No graphic M/M. This fic was an excuse for shameless hurt/comfort. Yes, I am addicted. This is just the sort of thing I would like to read Anticipating this to be at least five chapters long, so stay tuned First BnHA fic. No flaming, please and thank you

Words: 37684, Chapters: 12/12, Language: English

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lunarashen

i love you

(i think i might hate you)

you're my mother

(you were supposed to be, at least.)

you have been the one constant in my life

(but you're never here. always just out of reach...)

i'm your loving son

(all you see when you look at me is a daughter that can keep the house clean and raise your child for you.)

i breathe easy in the safety of my own home

(i feel like im suffocating the second i step into this house. i can't breathe here. the air is stifling. i taste dust with every breath.)

i am thriving

(i think i might be dying)

thank you for loving me

(you act as though it is gracious of you to give me a roof over my head and food to eat. as though these were privileges and not human rights. not something you are legally obligated to provide)

i love you

(i do. i love you so much because you have always been there, even if i could never reach you. you are my mother and i love you. i have to. i think i might go insane if i didnt. but i also hate you because all the times you have wronged me burn far more than anything anyone else has ever done. you were supposed to be there for me every step of the way. you were supposed to raise and love me, but you deemed your career more important. you deemed the children you worked with to be more important than your own child will ever be to you.)

i love you.

(i hate you so so much.)

hey guys just wanted to say that like. it does get better. i moved out of my moms place the day i turned 18 with only a few boxes of shit. i'm living with a friend now and im on the hunt for a job. it gets better. you're gonna be ok!

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Children in abusive families aren’t accepted nor acknowledged as the valuable member of the family. They’re being told they’re freeloaders, someone allowed to live in the house who should be grateful they get to sleep there. They’re considered a financial burden, and an emotional one, if they ever need attention or care. They’re told to compare themselves to children who aren’t so lucky and are starvng on the street, or being abused much worse my caretakers. They’re forced to count their blessings, as if each and every one of them isn’t used against them. They’re only being presented as the children to guests and outsiders, who parents are trying to impress or play normal family game in front of. They’re being used by parents to feel good about themselves, and then discarded as if they’re worthless.

In healthy families no child is considered a burden, or less valuable than any other person in the family, it’s the opposite, the parents are able to acknowledge that as the youngest and most vulnerable member, the child should get most attention, care and help growing up and forming into an individual. In healthy families there’s no question of letting the child be hungry if there’s food, threatening them of losing place to sleep if they are able to provide a bed. There’s no comparing the child to those who were less lucky, it’s parents who question if they could do anything better, make the life of their child better. Child doesn’t have to worry about finances, or have anything they have or do used against them, they know whatever belongs to parents, is theirs as well, and they know if something goes wrong, parents are going to have their back. Healthy families give children feeling of safety, stability, value, confidence, support, and community. They’re a pillar of strength for the child. Child doesn’t have to fulfill certain conditions to deserve it, or work tirelessly to deserve to be a part of the family. There’s no game of pretense in front of outsiders, they’re not only a child of these people in certain conditions or when the parents find it convenient, they’re treated well at all times. 

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do not ignore this

our momentum is slowing down. we can’t let our dashes go back to normal when the world is not normal. so, if you are reading this, you are ~legally~ obligated to choose 2 numbers below; you must complete the task of those two numbers today. don’t pretend you didn’t see this. either do them right now or set a reminder to get it done before the sun goes down. the timer starts now. choose two. 

  1. sign some petitions. LINK HERE. if change.org hasn’t accused you of being a bot yet, you haven’t signed enough. 
  2. watch this youtube video. LINK HERE. do not skip the ads. this is a way to help raise money without having to donate any.
  3. sign up to get daily actions. LINK HERE. after filling out the form, you will receive texts Mondays, Wednesdays and Fridays telling you what action to take. (i got this link from @ wp4bl on instagram)
  4. text or call for any of these victims. LINK HERE. this website is extremely helpful, well organized, and practically does all of the work for you.
  5. donate some money. LINK HERE. if you have any more money to spare, please donate it to one of these funds.
  6. follow every single one of these organizations on social media: blcklivesmatter, colorofchange, reclaimtheblock, showingupforracialjustice, and civilrightsorg
  7. post these important sources to your social media. LINK HERE. you have no idea who it might help. 
  8. read this article and forward it to at least one person. LINK HERE
  9. watch this video explaining the racial wealth gap. LINK HERE. it’s really informative and only about 15 minutes long. 
  10. do some reading. LINK HERE. this link has a ton of great resources to educate yourself. read at least one. 
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sleep is for the weak. im a superior lifeform that stays up all night everynight and barely survives on just a few hrs of sleep

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