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maskedinstructor · 1 year

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Black Education in America-The OVER (the) Ground Male Road-Pathway to the Inclusion of More Black Male Teachers in the Classrooms of America

Think Higher !

I have meticulously outlined for all who would care to peruse my papers on the initiative to introduce more Black men into the classrooms of America. I have been encouraged by the responses as there were many. I am baffled by the hesitation and lack of movement on the project. In areas such as this, the advancement of our young men, we must maintain a posture of persistence determination and fearlessness. I cite, for example, the valor of President Zelensky. of The Ukraine. He has visited America three times and requested funds, financial assistance to aid his country in its war for freedom with Russia. In this case, his bravery was greater than his fear." My people are dying. We will all be killed if I fail to secure the resources required to vanquish our enemy. Who can provide such assistance? America !!! There I will travel and seek help.' These were the thoughts which possessed him. He came ...three times. It was as if he was somehow obsessed with saving his nation. And, rightfully so. The response from America? OVER BILLIONS OF DOLLARS WITH EACH VISIT.

We must be as valiant as he. Other countries utilize America as their personal ATM. in our Over (the) Ground Male Road, America CAN do what is right by its own citizens. Presidents Zelensky was incredibly confident. He knew America would surrender its coffers to him. We, mighty Black males of America too, ''Must not be too proud to beg". The mantra will be, " Well, you , America, did it for the Ukraine. LET MONEY RAIN ON US TOO". President Zelensky emphasized the crimes against humanity that Russia was and is committing daily. There are no greater crimes against humanity than those which we, citizens of America, have suffered and continue to endure in America. Let us never be ashamed. Let us not be reluctant to ask for what is rightfully ours. The Constitution declares that we are heirs to it. It is our duty, by constitutional edict, that we challenge and change, alter and abolish anything that violates and prevents us from our rightful pursuit of life, liberty and happiness. Deep in our heart is that message to the country, " Well, America, you did it for The Ukraine. LET MONEY RAIN ON US TOO.

Let me summarize what is our plan and program. What we most desire is a national program that will recruit, train and introduce more Black Males into the classrooms of America. it is and should be a call to action . We, America, are in the throes of a national crisis and the proposal offered outlines the national priority which must be addressed to alter abolish it That program will be called, ' Over (the) Ground Male Road. The design and educational theme have been extracted and adopted from the work of Harriet Tubman who thought it not robbery to serve and save her people at the risk of her own life. We, her progeny, state that if measures are not taken to save our people through The Over ( the ) Ground Male Road , we will surely remain second class citizens, a fate worse than death.

Project Outline and final Remarks: The program will begin with a church tour. The purpose is to alert the community of the plan. Gifts will be distributed along with literature explaining the purposes and scope of same. The church is designated as the site of the inauguration as it is the backbone of the Black community. The site demonstrates that the need is both spiritual and political. The Black church will connect community to the reality of working with government to solve our problems. This has not been successful for us. Indeed, it has been hazardous to our health. The church is the site for we need to remember those who have passed away in struggles with government and politics. It is a reminder that we must stay strong and stay the course. America has proven itself ready to honor foreigners rather than its own citizens. It has proven that our problems are never included in the Book of National Dilemmas and Issues. The church is the inaugural site for it has been more humane in its treatment of our demands, necessities and essentials. We trust it. The church will also be our first recruitment site. We want men who have some teaching experience. We have found them in the choirs, worship leaders, Sunday school teachers, ushers , announcers, group leaders and assistant pastors.

Our first acts and subjects of fierce discussion and debate must be the referrals to special education classes of so many of our Black males. This, too, is a national crisis. There are so many that schools in America are specifically designated for Black male youth. It smells of an insidious plot to rid our nation of Black Male Leadership. From where will our Black Male teachers and resources come if they are handicapped at such early ages and stages of their life? The detente on referrals will solve one problem in the war on special education referrals and that is the lack of BLACK male teaching candidates. We need Black males from the Over (the) Ground Male Road to save our Black males from the very system that is created to educate them,

We need the church as the site of inauguration and continuity of service to maintain a relationship with the recruits and training before and after hiring. We want the church to keep its blessings on the parents so that they stay involved. We want and need the church as that propaganda machine to express weekly the successes of the program of teaching when Black men are the prophet, sages, scholars, workers, wonders, teachers, and instructors.

We want and need a Teachers' Church and Community Union. We have to forsake old methodologies, patterns, behaviors, strategies, projects and attitudes. We can no longer pour new wine into old skins. That has never worked for us and never will. These were placed around our necks to keep us mentally enslaved. In our plan, union and unity will exist and flourish. Observe how organized, effectively and efficiently the schools of other groups work. 'Anything for the children' is the slogan. Note how chaotic the edifices of learning are in our neighborhoods. Same Board of Education but a different result. We must do more for our children and it begins with whom we desire as their instructors. On your marks, set...Go! Onward "THE OVER (the) GROUND MALE ROAD...100 CHURCHES A YEAR...TEACHER RECRUITMENT & TRAINING...NATIONAL PRIORITY DECLARATION...GRASS ROOTS INVOLVEMENT IN RECRUITMENT AND TRAINING...CHURCH & STATE COLLABORATION... Throughout the work, the program, this mantra reigns" AMERICA YOU DID IT FOR THE UKRAINE. LET THE MONEY RAIN ON US."

BEST OF 2023

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buvarkunds89 · 2 years

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Critical Poor Theory (continued from 11/30/2022)

"All the fair and noble impulses of humanity, the dreams of poets and the agonies of martyrs are shackled and bound in the service of organized and predatory Greed," opined Upton Sinclair. So, here is what Engelkrout counts as organized and predatory greed, and exploitation, resulting in punishing the poor.

Poverty and the Banks

Bank charges

Most poor, but not all, live from paycheck to paycheck. That means very few cash balances are enough to already cover overdrafts around the middle of the month. Many use check cards that do not process charges immediately, so those are not included in the balance shown in the checking account. Once an overdraft is registered, an immediate charge for Insufficient Funds of $30, minimum, kicks in. So, as Engelkrout writes, a $5 happy meal on a father-child Sunday hangout can cost as much as $35 or more.

Overdraft

Banks are not under obligation to process withdrawals in any order. They can pick and choose how checks and ATM withdrawals are processed. Once one is in the red, the negative balance is deducted first from the credit of the paycheck. Of course, one can create overdraft protection in one's checking account, but that requires coverage by savings account with a significant positive balance. As I stated earlier, 63% of us have less than $500 to cover emergencies which an unexpected withdrawal would be part of.

According to Engelkrout, in 2020, banks pocketed $8.82 billion by legally punishing the poor. One bank's CEO named his yacht "The Overdraft" to show his arrogance naturally justified him for not belonging to the social class of the poor.

Payday loans [aka usury] and check cashing [preying on the weak].

Typical payday loans are $100 for a $15 discount or interest paid on payday for 14 days. If it is a discount, i.e., the loan is $75, and it's extinguished on payday, the annualized effective daily borrowing rate is 68.21%. But even if the loan and the interest are paid back on payday, that is, the borrower gets $100 and pays back $115 in 14 days; hence, the rate is still 37.24%.

Of course, if the borrower cannot pay on payday, everything is rolled over, and the effective rate is further amplified. This is usury and should be prohibited by law.

Check-cashing is a straight discount in which the lender "buys" the check of $100 for $85. There is no risk involved, and the check clears in two days maximum. Hence the rate of return to the lender is 7,604,069,141,882.40% [2.72e%].

This happens to people with a steady income, but either cannot have a bank account for direct deposit of wages or afford one because of a bad credit rating. Being part of such a transaction is the immediate need for cash because of strictly cash obligations that are due. I cannot call this by any other name but lawlessly preying on the weak. The overwhelming clientele of the payday loan and check-cashing outfits are illegal immigrants and undocumented laborers who are already exploited by being paid for their work below the legal minimum wage.

Payday loans and check-cashing outfits usually set up shop in strip malls where poor people do their regular shopping. How convenient?

Poverty and What Is Not Seen

Cash Bail

Road Conditions

Phone charges from jail or lockups

Joseph Conrad reminds us that,

No fear can stand up to hunger, no patience can wear it out, disgust simply does not exist where hunger is, and as to superstition and what you may call principles, they are less than chaff in a breeze.

I took the liberty of coopting Conrad's metaphor, "chaff in the breeze," out of its limited context to define the standing of the poor class in America, as it fits not just the hungry, desperately poor (particularly children) but all the poorness continuum.

Other Means to Keep the Poor, Poor

Credit Rating and Loan Rates

Health Care

High-Speeded Internet

Regressive Taxes

The foremost economic reason for a progressive income tax code is the redistribution of income to mitigate wealth accumulation in the hands of a soupcon. All other taxes that affect income are regressive for the poor or low-income persons.

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aliclily · 2 years

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How do I load my Cash App Card? What stores?

Are you searching for answers to where can I load my Cash App Card? There are many options that you can load cash App card. The most popular ones are Seven Eleven, Dollar General, and 711! These stores can assist you to fill your Cash App card and even assist you to make sure you have enough money in your Cash Account. Read on to find out how to add money into cash App card. Once you've figured out how to add your cash and how to use it, you can begin using it right away!

The Cash App is a credit card that allows you to use at many locations. If you don't want to use it at an ATM, there are ways to load it at stores, including CVS, Walgreens, and Dollar General. You must know your Cash App account number and the amount you wish to load. Each transaction will cost $4. Of course, you can always check your balance within the app to see how much you've loaded.

Where Can I Load My Cash App Card? What Stores?

If you're not using your Cash App, you can reload it from your bank account. You can load money from your default bank account, but you have to remember your Identification Number. It's important not to lose this number, so save it for future reference. In addition, you don't have to pay any fees to load money to your Cash App card. However, you can also load funds using a cash app card from a physical store.

You can visit a participating retailer to reload your Cash App card. Just tap on the map and follow the instructions to add funds. You should receive a confirmation message after completing the transaction. It may take up to 10 minutes to appear on your phone after completing the transaction. Then, use your Cash App to purchase goods and services from participating retailers. Once you've purchased items, you can load your card with cash and pay for them with it later.

How to load the Cash App card at 7-11?

This article will provide some basic information if you're wondering how to load a Cash App card at 7-11. 7-eleven stores are trendy in the U.S. They offer to reload services and a prepaid debit card that can be used anywhere MasterCard is accepted. But before you can start using Cash App, you must load it at a 7-eleven location.

The process is the same for cashing out at ATMs and using cash in most places. To load your card, visit the 7-11 store and tap "Banking." You will be prompted to enter the 16-digit debit card number, security code, and billing zip code. You can then specify how much money you wish to load on the card and pay a small fee to complete the transaction. Once your Cash App card is loaded, you can quickly check its balance on the app.

#Cash App card is loaded

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aibidil · 2 years

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At age 17, having grown up in a place where abortion was legal and accessible, my partner and I discussed the eventuality of abortion before we even decided to do any sex acts that could result in pregnancy. We planned contraception with multiple levels of contingencies, and it felt responsible and straightforward. At the time, it was the GWBush admin and I was furious about abortion rights, over the global gag rule, which seems positively small potatoes now.

About two decades later, with two children who were planned and wanted, I'm sitting here coming up with a plan for accessing abortion care if my state outlaws it. (The way this works, if any of my non-Americans are wondering how our multilevel governance works: now that Roe is overturned, it's up to States to make laws about it. There were a bunch of states that had passed laws saying that if Roe was overturned, abortion would be immediately illegal. In a couple, states had passed a state guarantee to abortion, so that it remains legally protected today. In a bunch of states, there are no laws on the books, and now we see what happens. I live in a see-what-happens state.) I'm lucky because 1) I have enough money to travel and 2) I have family in NY state, where abortion is protected at the state level.

Millions of people in the US who can get pregnant are currently looking at maps and trying to figure out how we would get to one of the places that's shaded a different color than our own.

And this affects so many of us in so many ways. It's not just people who think it's a possibility that we might face an accidental pregnancy (from sex in a relationship or otherwise). I have friends who are rightfully terrified to try for wanted children because they have a health condition that could endanger their life if they get pregnant. Can they trust an ER doctor to save their life if an abortion was needed? Probably not. And did you know that 60% of abortions are given to people who are already parents? Not to this stereotype of naive teens who are irresponsible (though to be clear, I absolutely insist on the right to abortion for people who are naive and irresponsible), but to people who have already given their body and life to a next generation and know EXACTLY what it would take to do it again.

I imagine, even though it will affect all of us differently and those of us with less privilege will take the brunt of it, we're all (rich, poor, parent, childless) sitting here looking at these maps and making plans we should never have to make.

One thing that strikes me as important is this: there's no need for us to reinvent any wheels. We already have many longstanding abortion funds that work to increase access, and that are ready and we'll positioned to help people who need help. We don't need to build brand new organizations. We need to support the ones that already exist (and note that many, many of them are run by WOC). This isn't a time to try to colonize that system by reinventing it according to monied whiteness. You can find abortion funds here (and at the National Network of Abortion Funds, but their site is down from all the traffic atm). This is probably a better use of dollars than one of the large orgs like Planned Parenthood. These funds already do amazing work, but now those travel expenses and childcare expenses are going to be WAY higher as people all over the US will need to cross state lines to get an abortion.

When you've made your plan, think about all the other people doing the same. It's a communal experience here, and the answers will also be communal. Give to abortion funds! Call abortion funds if you need help! ✊🏻

#abortion #roe v wade #abortion funds

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softprincesso · 4 years

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✨HOW TO BECOME A WEALTHY MIDDLE-AGED MAN✨

PT.2: Overview to understanding different saving/retirement methods, investments, and forms of income

2.1 Savings and Retirement

Welcome lovelies to (what I hope will be) a helpful series on gaining wealth and becoming financially literate and independent!

*disclaimer: while this advice can generally apply to many it will not apply to all. Everyone is in a different situation and should do their own research before they take what ANYONE says as fact or law. This is also coming from the perspective of a young, biracial, first generation female business student following a hypergamous lifestyle and who does sw so some advice may be specific to my like-minded ladies, but for the most part I just love money and want to help others find joy in their wallets as well. I am also operating in the US so things regarding accounts, stocks, and certain laws will vary by your country. Also, this is just a fun thing I wanted to do because talking about leveling up and learning and growing and money are my favorite past times. None of these pictures are mine, however I am using some links which may compensate me in some way, but I only used links which were mutually beneficial and would help you gain something as well, they are still just actual sources I use for myself.

✨THINGS TO KEEP IN MIND✨

Financial independence is different than financial confidence.

Financial Independence: “The most common sense of the term is that someone has enough wealth to live as they wish for the rest of their life without having to work.” -Investopedia https://www.investopedia.com/financial-edge/0611/declare-your-own-financial-independence-day.aspx

Financial Confidence: “We define financial confidence as having three aspects,” says Miler. “The first is awareness of how money can be a tool for helping you reach your goals and dreams. The second is financial literacy and understanding economic factors. The third is trust and knowing where to turn for financial advice.” -Forbes https://www.forbes.com/sites/shelleyzalis/2018/06/16/women-money-8-steps-for-growing-your-financial-confidence/?sh=2175b65e2468

While the ultimate goal is financial independence, financial confidence should be the main focus. I’ll give an example why. Imagine there are two people: Rhonda and Jill. Both of them like nice things, love to shop, and participate in the occasional splurge. Rhonda works a regular 9-5 and has a decent salary. She doesn’t have much financial knowledge (translation: financial confidence), but she has a savings account at her local bank and puts a couple hundred into retirement each year and she thinks that's enough. Suddenly, Rhonda wins the lottery. Overnight she has become a millionaire, so she quits her job, moves to LA, and goes on to live life to the fullest. She would now be considered financially independent. However, Rhonda has no idea how to manage all that money. She puts a small amount into that bank savings account and takes the rest to do what she will. One day she tries her luck at a casino, in less than five hours she has lost all of her money and has to start back at square one with no job, only a few thousand to get her through, and no-good way to explain to employers that she just wasted the last 5 years spending money on handbags she now has to sell at a depreciated value. (BTW you would not last not working with only a million dollars in LA for that long)

Now, let’s look at Jill. Jill is an independent contractor and has a relatively steady income. She knows very little about finances, but she actively learns how to manage what she has and keeps up to date on the latest money news. The day that Rhonda won the lottery was just another Thursday for Jill, the only unique point for her was that she opened a savings accounts with a high APY (we’ll say 1%) and put in $5000.00. A little later she also opened a Roth IRA and puts in the maximum yearly allowance of $6000.00. Along the way she opened a brokerage account of her own and started trading in the stock market along with investing in real estate which has given her some extra income to play with each year. Unfortunately, another housing crash occurs, and all of the money Jill invested into real estate is gone. However, since Jill learned the skills behind her choices early on, she is knowledgeable and understands the ups and downs of the market and how to invest her money in other places in the meantime. And, that High yield savings account accrued around $50 more without her doing anything and she has that to fall back on, or worst case she can take out part of her principal Roth IRA contribution. 10 years from now Jill should start to see a steady increase in her Roth IRA that by retirement will be a little over 1 million and she should be comfortable and invested enough into stocks that she gains around $200-1000 extra each month.

I think you understand why you want to be Jill.

✨HAVING ADEQUATE SAVINGS = BEING YOUR OWN LIFEGUARD✨

As discussed in Pt.1 the first goal you should achieve is securing an emergency fund that could sustain you for a couple of months if things were to ever hit the fan, and starting a retirement fund should be in your top 5 goals to complete. The saying, “the rich get richer” is popular for a reason. Wealthy people know how to make their money work for them instead of them having to work for money. An easy way anyone can do the same is by opening the right accounts for your savings and retirement.

Savings:

All of your savings should be in a high yield saving account or split between different high yield accounts. This is an account which will reward you some interest every period for having money in your account with them. This is incredibly easy to do. You can either research/ask your bank about their high yield accounts or do some googling to find some other bank. Then transfer your money and there you go! When looking at banks understand that the highest Annual Percent Yields (APY), or the interest they will reward you, are going to be from online banks because they have less operational costs than a brick and mortar, but they will also come with their own disadvantages, like less ATMs to access or the inability to use when outside of your country so make sure to look into that. IMPORTANT: Make sure that whatever bank you choose is FDIC-insured so if the bank were to ever collapse or lose your money you have insurance up to $250,000.This won't generate a lot of extra cash, but an extra $20 every year is better than $0.

Retirement:

These accounts usually go by your current situation and what you see for your future.

401K: Probably the most known (I believe it’s only in the States but there might be something close to it in other countries) and that’s just because this is what employers usually offer if they offer anything. It is a retirement fund that your employer will set up and you can predefine how much of your paycheck you want to automatically go into it every time. Sometimes, the employers will also have a match program, and if they do you better max out the money they will contribute because that is FREE money! Most advice that I have seen has said to really only focus on this fund if your employer has that match program, otherwise I would focus on one of the accounts below. https://www.investopedia.com/articles/retirement/08/401k-info.asp

IRA: An IRA stands for Individual Retirement Account. There are three kinds…

Traditional: This IRA lets you put in pre-tax money and lets it grow tax-free until you make a withdrawal. Once you make the withdrawal that money is taxed at the current rate of your income at the time. Your contributions are tax deductible so you can write them off of your taxable income of that year. There are limits to how much you can contribute depending on your income, status, and whether you have another retirement fund as well.

Roth: With this IRA your contributions are taxed, but when you withdrawal money later on it is tax free. For those of you in a lower tax bracket than you believe you will be in the future, this IRA makes the most sense as you will pay less taxes now than you will when you are 59 ½ (The official age of retirement in the States). There are limits to how much you can contribute depending on your income, status, and whether you have another retirement fund as well.

SEP: Simplified Employee Pension. This is also an employer-based plan and may also work better for my self-employed gals out there. I don’t really know a lot on this one so I’ll just leave a link you can look into if it interests you: https://www.investopedia.com/ask/answers/102714/how-does-simplified-employee-pension-sep-ira-work.asp

You can have both a traditional and Roth IRA as long as you are eligible for both. Anyone with earned income (with a job or can prove a steady income) can contribute to a Traditional IRA, however with a Roth IRA, as a single you can earn up to $139,000 and contribute. Personally, if you are just getting started with all of this just set up one IRA and as you learn more you can take steps to get another or switch accounts.

https://www.investopedia.com/retirement/roth-vs-traditional-ira-which-is-right-for-you/

There are a plethora of other accounts, but they are more specialized and the top four should get you started on the right path to saving for retirement. I’m guessing that the majority of the audience reading these are women between the ages of 20-30. Trust me when I say that I love to spend money as much as the next girl, but I also would like to be completely comfortable should anything happen in my older years that screws up my marriage or job, and no one is going to secure that for you.

Also, I’m sorry this is so US-based, but once again it is all I know. I believe IRAs are more widespread than a 401K, but all that takes to find out is a Google search on your part.

Either way, make sure you have a plan going into 2021 for your savings and retirement because this economic whirlwind is far from over and there is always a chance for another recession, depression, or disaster. (Wow O, way to keep the mood light)

This was getting way too long with the investments added so look out for Pt.2.2 on the overview for investments (where the actual fun begins and I can stop being such a stick in the mud)…

VOCAB TO KNOW/RESEARCH:

Financial independence

Financial Confidence

APY

Roth IRA

brokerage account

High yield savings account

principal

401K

Traditional IRA

Once again… if in these posts I ever give bad advice, F- something up, or am just generally ignorant PLEASE call me out! Remember that just like you I am a young woman figuring everything out and while I am confident when talking about money, I am by no means a genius (only in spurts) so any chance to learn I appreciate. I hope you all learned something new today and as always…

With Love,

#how to become a wealthy middle aged man #wealth #money #money management #wealth management #finances #hypergamy #affluence #heauxlife #heaux advice #heaux tips #spoiled girlfriend #spoiled gf #spoiled heaux #black woman in luxury #luxury #sugar tips #oadvice #softprincesso

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lexa-lives-in-us · 4 years

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Saving Tips for Hard Times

I found this old document where I collected a series of tips to save money. This is all part of my experience of when I was near homeless, and some work depending on where you live, some don’t. Here we go.

BILLS:

1. The optimum temperature for refrigerator operation is 5°C, and -18°C for freezer operation. As a rule of thumb, for each additional degree of refrigeration output about six percent more electricity is used.

2. Unplug your appliances. Lamps, microwave, tv, computers etc. They don't need to be plugged until you use them, and it saves energy to keep them unplugged. Therefore, money.

3. Do homework for phone companies and internet plans. Call them! Often they are toll free and if you mentioned that you were already with them or thinking of going with them and then found out another company had a better deal, they could offer you deals for lower prices. I had to do it all the time for my phone, until they couldn't really offer anything better.

4. BIKE. Invest in a used bike if you can, especially for the warmer months. It offsets the transit costs and better your health.

5. WALK. That's the same as the bike, honestly.

6. Pay your bills on time, you will avoid late fees which can up to HUNDREDS of dollars wasted over the course of a year. If you can, set up automatic payments so you don’t forget.

FRIDGE:

1. Every time the refrigerator door is opened, cold air escapes and warm ambient air enters. To compensate for the temperature increase in its interior, the refrigerator must then use energy to bring the temperature back down. Always avoid opening the door unnecessarily and for too long.

2. When defrosting frozen food place it in the refrigerator. Not only does this ensure that the food is carefully defrosted, its presence cools down the refrigerator interior, reducing the amount of work that the compressor has to do, and therefore lowering energy consumption.

3. Never put warm food in the refrigerator as this will heat up the interior, as well as other stored foods. Hot food should always be allowed to cool to room temperature before placing it in the refrigerator

MONEY:

1. Keep all the containers like glass bottles, juice bottles, jars, cans etc. Look for your Return-It depot and have trips to return them. They give back coins for laundry, small expenses etc

2. Use that junk mail. Go through it, find coupons for food, for essentials like toilet paper or shampoo.

3. CHECK. THAT. DOLLARSTORE. They often have things like pasta, ketchup, toilet paper, batteries etc for literally 1 dollar. Pasta is pasta, toilet paper is toilet paper. Seriously. Don't need to spend 5$ on a shampoo bottle when you can have it for 1/5 of the price.

4. Do homework and check with different banks for which one offers a better plan. Some of them are willing to help out. Sit down with their advisors, find the best solution!

5. Use the envelope system! For example, one envelope with a label “food” the other with “entertainment” the other with “bills”. Then set the right amount of cash for each. That’s what you’re allowed to spend each month. If you realize you need more for food, grab it from the entertainment envelope. Adapt and arrange as needed.

6. If you can, set up an automatic saving (example 50$ every paycheck) for both regular saving AND an emergency fund.

7. Use the 24-Hour Rule. Avoid purchasing expensive or unnecessary items on impulse with a self-imposed 24-hour rule. For any non-essential item, wait 24 hours before purchasing. It’s perfect for online shopping where your items can simply be added to your cart to purchase later.

8. Make a grocery list BEFORE going to the grocery store and STICK to it. You’re going to avoid buying things you don’t really need.

9. DO. NOT. SHOP. WHILE. YOU. ARE. HUNGRY. Or you’ll end up buying food that you actually don’t need just because you feel snacky!

10. Only use ATMs from your bank, or you get charged small fees.

11. Set a “No Spend Day” per week, where you consciously DO NOT spend any money for that day.

12. Ditch the paper: Cutting out paper towels and using cloths and napkins that you can simply wash and reuse is a simple way to save.

13. After you wear clothes, hang them outside your wardrobe, on a door or something. You can air them out a bit, then stick them in the closet without washing. You can basically reuse the same clothes two or three times without having to wash them, sometimes they just need a bit of air and they won’t smell AT ALL.

14. If you don’t own or want to spend money on an iron, hang whatever blouse you need to iron in the bathroom while you shower. The steam will humidify the fabric and straighten it up.

15. Hang stuff to dry. Really don’t need to spend money on the dryer.

16. Sign up to the library. They have so many books and DVDs nowadays. You can also just go, sit at the library and stay warm for a while, so that you don’t have to sit at home and either suffer the cold or use money on your own heat.

17. Budget, budget, budget. Get a lil notebook, write down the monthly expenses, cut what you don’t need. It gets easier with time.

FOOD:

1. Make a meal plan. Write 10-14 days worth of dishes that you can do (lunch, dinner, everything you need). You can then toss them around as you go on with your week, but that way you have a pretty clear idea of what you use and the food you go through for how long. It also reduces the risks of getting take out since you already have plans for what to eat.

2. Cook double! Seriously. Make that dinner and double it up. Leftovers can be frozen or put in the fridge for the day after.

3. Meal prep. Once a week, prep a bunch of different recipes. Let them cool down, stick them in the freezer. At that point you’ll already have all these meals at the ready to just thaw/microwave or oven up.

4. You don’t need pop. You don’t need alcohol. You most likely don’t need milk, but go for it if you wanna. Just remember dairy products go bad WAY more quickly than non dairies, so consider getting food and drinks with no dairy in them. Mainly, though. Water. Just drink water. Lots of it too! Sometimes our brain can’t tell the difference between hunger and thirst. You think you’re snacky? Drink some water instead! It’ll quell your hunger.

5. Freeze fruit! If you think you’re not gonna be able to eat fruit in time, put it in a Tupperware or a ziplock and slap it in the freezer. You’ll be able to then use it for smoothies.

6. Use the Italian saying “Colazione da re, pranzo da nobili, cena da poveri.” Which quite literally means “Breakfast as a king, lunch as a noble, dinner as a poor.” Breakfast should be very filling, carbs, protein, vitamins. It carries you for the whole day. Lunch should be quite filling too! But supper doesn’t really need a lot of it, and if you REALLY have to skip a meal, skip supper. Your body doesn’t need that much sustenance while sleeping.

7. This is for the desperate times but I’ve done it, and I would do it again if I ever had to. Go to markets that have like… Fruits and veggies. Talk to them. Ask them “HEY, can I have the fruit/veggie that you have to throw away?” Ask them if you can have the ugly produce, the one that doesn’t look pretty enough to be put out. Or ask them to have whatever extra they have to dump because is past the expiry date. EXPIRY DATE IS USUALLY MUCH LONGER THAN WHAT THE LABEL SAYS. I wouldn’t risk it with dairy stuff or with things that are VERY expired, but one or two days? Totally fine, I promise. And if you have to? Dumpster Dive. Especially at markets with fruit and veggies that have to be sold on the same day (because it’s not considered “fresh” past that day.) Or behind pizza places like Dominos or Panago or whatever chain. They get pizza orders wrong all the time. Just give a peak behind these buildings and look inside their boxes. You have no idea how many times I found perfectly fine pizzas. For free! IF YOU DUMPSTER DIVE, MAKE SURE YOU HAVE GLOVES, A MASK AND PLASTIC BAGS TO PUT YOUR STUFF IN. ONCE AT HOME, DISCARD GLOVES AND WASH PRODUCE THROUGHLY. Also check tumblr for your divers community, they usually know the best spots.

CLOTHES:

1. Thrift shop! So many GOOD used clothes are out there! Honestly! My whole wardrobe is thrifted and everything looks brand new. It takes a bit of research and maybe that shirt you liked is not in your size, but you can find EVERYTHING, from socks to bras, at a thrift store. Don’t thrift underwear though. You want to go new with those.

2. Invest in some needle and thread, then open youtube. There are SO MANY tutorials that teach you how to mend holes in socks and underwear. And really, no one will really notice if a mend is perfectly done or not. After a week, you’ll forget it too! But that prevents you from throwing away clothes that could just be mended a little.

3. Something doesn’t fit you? Too small, too big? YouTube, homie. They have tutorials on how to fix these kinda things! All you need, again, is needle and thread.

4. Organize clothes swaps with friends and/or neighbors. Everyone brings clothes they don’t need, put them in a pile. Go through the pile and grab whatever there is. There’s no money exchange, one could go home with 1 item and one could go home with 50 items. Who cares? The extra stuff… DONATE IT TO A SHELTER.

Feel free to add more, and stay safe!

#saving #saving tips #saving tip #money management #savings #small savings #homeless #saving account #my tips #signal boost #thrifting #dumpster diving #recycle #creative reuse #reduce reuse recycle #reducereuserecycle

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saiyanqueenreads · 2 years

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So, You Just Turned 18/Just Moved Out: Free Financial Advice From a Banker Pt.3

My continuing series on helping those just starting out to get a good grasp on their finances, how banking works, and making informed choices.

So we've already talked a bit about overdraft fees and NSF fees, but there’s a lot more ways that banks can nickel and dime you if you're not aware of the fees and activity avoid them.

**Major changes are in the works currently within the government that may help eliminate these fees at American banks, so while at the time of writing these are all common pains in the butt, some may not be around for much longer.**

Lets talk about common bank fees:

Overdraft and NSF fees: Bane of every poor person’s existence. These fees are charged when your account is used for a transaction and the account does not have enough funds to cover it. Generally the charge is between $20-$35 EACH TRANSACTION.

Deposit Item Returned Unpaid: Just like it says on the tin, these fees happen when a check that was deposited into your account is returned unpaid. This is usually caused by a bounced check, but can also happen for a variety of other reasons including fraud, a missing signature, stop payments, ect. Typically banks charge $10-$15. These fees always feel particularly icky because YOU aren’t the one that did anything wrong!

ATM fees: These are the sneaky fees! Most major banks have their own ATMs, and those ATM’s are free to use by members of that bank. However if you use another bank’s or company’s ATM you may be charged a small fee by your bank for cheating on them with another financial institution. It’s usually between $2 and $5 and it’s easy to nickel and dime yourself if you’re snagging $20 3 days a week to pay for lunch on the way to classes or work. But here’s the other thing.... the ATM may also charge you to use it if you’re not part of its bank. And this may be between $2 and $10. That could be up to $15 to snag $60 to go out partying. Boo!!!

Wire fees: Whenever someone tells me I can ‘just wire them the money,’ the first question I ask is, “and will I be given reimbursement for the wire fee?” The answer is always no... So it’s important to know that your bank will likely charge you to send wires. Typically this is around $30-$40. And here's the real kick in the pants... Some banks charge you to receive wires as well! It’s usually about half what they charge to send them.

Statement Fees: In the digital age banks like to save on both postage and paper by producing your monthly statements digitally. If you want physical copies mailed to you it may cost you. Typically is’s around $2-$5 a month for banks that charge for it.

Copies of checks or old statements: Many banks charge a so-called Check Image fee if you request a copy of either one of your own checks that was cashed OR a copy of a check you deposited or cashed yourself. Typically these are $5 or so each. The same applies to requesting printed copies of old statements. It should be noted that banks are only obligated to store this data for 5 years. Anything beyond that is up to the bank itself. To save yourself money online banking usually allows you to view, save, and print these items yourself for free!

Foreign Transaction Fee and Foreign ATM fee: Near the border or planing a spring break/vacation trip outside the USA? Be aware that the majority of financial institutions will be charging you extra for swiping your debit card outside our borders. Typically this is set as a percentage of the purchase. For example, Wells Fargo charges 3%. So that $100 snorkeling adventure in Cancun is actually $103. The ATM is actually sometimes even worse because they may charge a flat fee + and international percentage fee at the same time + the ATM is 1000% likely to charge you as well. If you need to get cash outside the country it’s wise to get it in large chunks to avoid extra gouging. If your college plans include a semester abroad you may want to look for a bank that offers international friendly cards.

Excessive Withdrawal Fee / Reg D Fee: This fee has a couple names depending on the bank, but basically if you debit or transfer funds out of a savings account more than 6 times per month it’s against Federal Banking Regulation D. And the bank charges you a fee for that. Usually around $12-$15. And if you do it too many times they’ll convert your account into a checking account whether you like it or not. (It’s worth noting that moving money out of a savings account using an ATM or at the branch does NOT trigger one of your 6 uses, so there ARE ways around the fee)

Stop Payment Fee Quit your gym but still have 4 months on your contract? If you place a stop payment on your card or account thinking that’ll stop them getting your money it MIGHT (or might not, but that’s for another guide) work, but unless it’s part of an actual dispute or fraud claim situation, the bank’ll likely charge you for it. These fees can vary widely, from $10-$40 depending on your bank. But if your contract was actually up at the gym and you’ve tried to quit but they keep charging...get yourself a dispute or claim filed against them and the stop payment should then be free!

#Banking #bank things #adulting #advice for adults #money

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jui-imouto-chan · 4 years

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Ouran High School Host Club AU (Inspired by this post)

Yes, I used everybody they offered as the characters (and more!), it’s just a really big club.

(It will 200% get bigger if I keep writing this, don’t test me)

Ship Tags: MiyaHina, AtsuHina, OsaHina, OiHina, KurooHina, BokuHina, AkaaHina, TsukiHina, UshiHina, AoHina, HyakuHina, NishiHina/NoyaHina, Hinata Harem aka Hinata/Everyone.

Loosely follows plot, but a few things have been changed to match Haikyuu more, such as:

•Hinata isn’t an honor-student, he’s on an athletics scholarship (and while there are plenty of decent athletes there, they’re all rich enough to not need a scholarship)

•Hinata wears blue-light glasses often. He has good vision but having the glasses framing his vision helps him focus in class instead of getting (as) distracted.

•Yachi and Hinata switch off on some Haruhi stuff but Yachi isn’t the one the guys are all simping for.

•Yachi is an actual honor student but she’s not on the kinda full-ride scholarship Hinata is on. She’s like, partially rich, but not enough for Ouran (so she gets bullied or at least teased.)

•Hinata and Yachi got to be really good friends at orientation since she can sympathize with him better than all the actual rich people, and she helps him with his studies so he doesn’t completely flunk his classes.

•The Twins, like Hikaru and Kaoru, have the same color hair (brunette) atm

•Hinata’s mom is a drag king to parallel Haruhi’s dad’s sitch

•Oikawa doesn’t let Iwaizumi into the club because he kills his eccentricity and egotism. None of the others can vibe check him the way Iwa-Chan does so that’s why he seems even more unbearable and thus more Tamaki-like.

••

Hinata tried to figure out where Yachi disappeared to, peering down halls and into classrooms through small openings of the doors. “Yachi-saaaan...”

He barely registered the vague scent of roses and sweets saturating the air as he pushed the door softly.

The wood swung open as though pulled, Hinata stumbling through with a shout. A breeze and rose petals drifted by his face as he opened his eyes, head whipping up to view the silhouettes of the boys not too far from the door.

“Welcome to the Harukou Host Club!”

“Th-The... --What’s a host club?”

Hinata watched as all of the boys’ faces fell into befuddlement.

“W-What a funny joke,” a brunet, sat upon a throne-like chair, commented, his fingers interlocked beneath his chin. “Isn’t that cute? Trying to win our hearts with humor.”

“But--”

“So, what kind of guys do you like? We’ve got plenty of types to spare, and I don’t think any of them have any problem attending to a male--ah, sorry, what’re your pronouns? That was rude of me to assume.”

Hinata’s instinctive, “He/him,” came out before he could attach his protests at the services offered, his stress elevating as the brunet hopped out of his chair and sauntered over to him, hands extended in shows of eccentricity.

“We haven’t gotten a boy, yet, huh, ‘Tsumu?” one of the guys still in the group commented, his arm draped over the shoulder of his exact copy (sans the parting of the brown locks).

“No, but that’s because the only boys we’re involved with are each other,” the copy, ‘Tsumu(?), said, grabbing the other’s chin to hold his gaze. They stared into each other’s eyes for a second before their faces got a little green, the two of them separating to mime vomiting whilst laughing.

Hinata had to tune back into the brunet approaching him, who seemed to be going off on a tirade about beauty and elegance. He tuned back out almost immediately, finding even schoolwork to be more interesting.

“’Tsumu and ‘Samu are awful at the twincest-schtick, don’tcha think?”

“Right? I thought so, too. We’d be ten bajillion times better at it if we were identical twins!”

The ravenette rolled his eyes, although he drew in the other smugly. “Identical or not, the reason we work is because I’m a good actor.” Then, placatingly, he amended, “And you’re not hard to tease and smother with affection.”

His silver companion’s eyes lit up. “Man, you’re so cool, Kuroo.”

“Make sure to call me Tetsu when there are girls here.”

“Oooh do I get a nickname? Like, Kouta instead of Koutaro?”

Kuroo grinned, “Don’t give me an offer like that. I’ll call you Honey or Beloved, and while we’re raking in the cash, Akaashi’ll sell a bunch of merchandise with it.”

Another ravenette, probably Akaashi, nodded calmly as he penciled into his notebook. Beside him, a tall blonde smirked, his glasses flashing menacingly as he tapped away into a calculator. Kuroo and the silveret both paled and protested at him, which he seemed to ignore.

Speaking of ignoring things...

“You’ve been talking a long time, haven’t you?”

The brunet, knelt on the floor near a table, glanced over at him like he forgot who he was talking at. “Is that praise of my oratory skills? I’ve always been told that people get lost in my speeches, and it’s no surprise that you’ve gotten so enthralled with one!”

Seems like I wasn’t the only one who got lost, Hinata thought, noting the despondent, glazed eyes of some of the occupants. A short guy with a patch of blonde hair jumped up into a handstand on the shoulders of one of the taller guys in the back with white hair, and it was made evident that, no, some of them just always appeared completely detached from reality.

“So, anyway, what kind of guy is your type, Mr. Athlete? Maybe you like the cool type? The boy lolita?”

“—I AM NOT THAT SHORT—”

“You are quite that short,” the brunette continued, “Or maybe you like the strong silent type? —We have three of those. We also have twins—identical and fraternal— if you’re into the taboo kinda stuff. We don’t kinkshame here.”

“Maybe we should,” muttered the blonde guy with the calculator. His mouth was covered by a silver-haired guy with black ends, whose face betrayed no emotion even as the blonde fought against his palm irately.

“I’m not into this kind of thing,” Hinata said quickly, “Besides, doesn’t it cost money? I don’t think I’d be able to afford something like this, anyway.”

“Speaking of not being able to afford things... Shouldn’t we check up on her?” Probably-Akaashi motioned to a corner of the room with a piano and a familiar blonde girl hiding beneath its bench, sobbing meekly into her knees.

“Yachi-san!”

Hinata raced over to her, her head whipping up at his call. Her teary eyes let loose some sparkling droplets as she leapt at him, although the rope binding her ankles to the bench prevented her from fully reaching him. He thankfully was close enough that he saved her from a tumble to the floor.

“Hinataaaa,” she whined into his shoulder, “I’m going to have to sell my organs!!!”

“What!?”

“She came into our clubroom earlier and broke the vase we were supposed to sell at an auction,” explained one of the twins.

“It was worth eight million yen, and she told us she doesn’t have enough money but that she’ll sell her organs in order to pay us back, which is impressive in the dedication but very concerning.”

“We had Wakatoshi-kun put her on the bench to calm down, but she tied herself to it because she thought she would be our prisoner as a punishment.”

Yachi clearly tuned them out, too busy crying and hiding in Hinata’s arms. The redhead patted her on the head, wondering how things could get this weird in less than twenty minutes of her being out of his sight.

“Yachi-san.”

No response. Her blubbers were even less coherent now.

“Yachi-san!” He shook her by the shoulders until she blinked up at him. “I’ll help you, okay? Just promise me you’ll be more careful. And help me with my homework again!”

“Hinata...”

He grinned at her and patted her head. When he turned back to the group of boys, he could see they parted somewhat to allow the brunet to be visible whilst lounging on his throne that was turned to face them.

“I’ll be taking on Yachi-san’s debt,” he declared. The brunet rested his cheek on his fist and peered down his nose at him, smirk drawing his lips.

‘Kuroo’ spoke up, “Hoh? All eight million? Are you sure you can make it up, Chibi-chan?”

“You couldn’t even afford a school uniform; how do you plan to pay us back?” said the blonde guy, eyeing his white-and-pink tracksuit with no lack of judgment.

“I’ll...” Hinata glanced back at Yachi, her eyes glistening, and steeled his resolve, “I’ll do whatever it takes.”

“Then, Chibi-chan, from here on,” the brunet guy’s voice, initially dropped, lilted upward as his amusement mounted, "You’ll be our bitch.”

“What.”

•

Hinata frowned at the smudges all over his lenses, ignoring the twins (both sets) measured him for his uniform.

He almost didn’t notice when Kuroo bent down to meet his eye-level and gently grasped the frames of his blue-light glasses. “Alright, Chibi-chan, we’ll be taking these. Though it doesn’t even seem like you need them, huh, since these lenses don’t really have any magnification?”

“Well, no, but since we have a lot of work on laptops here I thought they’d be better to have.”

Kuroo hummed and slipped them off his ears and nose, and all of the twins gawked at him as he blinked up at them.

“What?”

Osamu kicked Atsumu’s calf, and the Miyas dragged Bokuto away with them.

“Nothing,” said Kuroo, “Maybe they just forgot you’d have a face behind these.”

“Oh, I’ve done that before! Like when people are sick for a long time and they wear a mask, I kinda forget they have mouths!”

“Yeah, just like that.”

•

“What kind of coffee is this?” The brunet, now known to be Oikawa Tooru, asked, beckoning Hinata over with the most obnoxious “come-hither” motion to ever exist.

“Instant. I don’t really understand coffee, but this is what my mom buys. It’s just cheap enough that I still have money for lunch.”

Oikawa sputtered at Hinata’s lackluster funding for his nutrition, although his mind finished processing what was said about the coffee itself before he could really express any amount of disbelief at the former.

“What do you mean ‘instant’? Are the beans already ground or something?”

Hinata blinked. “Coffee’s made of beans?”

Oikawa sighed heavily and drew up to his full height, holding the coffee container skyward as a few girls approached for their hosting appointment.

“Alright, you know what? I’m up for a challenge! I’m going to try some commoner’s coffee!”

The girls in the clubroom gave shrieks of surprise, Oikawa’s announcement drawing the attention of the entire room. Hinata longingly and despondently stared outside at the people running around the track and beginning practices for their various sports, allowing himself to be dragged away by the club president.

“Darn rich people,” he mumbled.

•

Oikawa was very clingy, Hinata found. Every spare second he had at the club was spent with the other nearby, coddling him and encouraging him to learn up close. It was so draining that the Miya Twins and the Fraternals dragging him into their games was infinitely more appealing, but that could also be his bias for Bokuto coming into play.

Kuroo was cool, too, yes, and the Miya Twins gave him food, but Bokuto’s energy was so perfectly aligned with his that Kuroo whined about his brother being snatched away on multiple occasions.

This time, with Oikawa monologuing as dramatically as ever, Hinata had no sets of twins to free him from the absolutely boring speech. He spaced out so hard, he didn’t notice Oikawa coming closer and hugging him to his chest excitedly.

He shouted, the fright sending tears into his eyes, and he reached desperately at the tall trio nearby. “Help!”

All three of them instinctively drew closer, but it was the white-haired eyebrowless one who pulled him out of Oikawa’s grasp by the armpits, Hinata’s legs dangling in the air while the brunette sat stupefied.

“A-Aone-kun, you didn’t have to go so far...” Oikawa tried.

Hinata smiled at Aone in thanks and patted his head gently to express further gratitude. Whence he was placed down, Aone bowed to him, and he bowed back.

•

Nishinoya was a very fun person to be around, although their interactions were sparse. He shone under the attention from the girls, and if Hinata didn’t know the girls were paying for his time, he’d have assumed the reverse was true. But it made sense, you know, since Noya-san was just such a cool dude.

The girls cooed at him and giggled at his jokes, and his dorky personality coupled with his small-but-wild looks made him a charmer. He also offered Hinata cake on a frequent basis, and often accosted the others to make sure they ate up--especially Tsukishima, who seemed prickly enough that Hinata didn’t want to get near him with a ten foot pole.

Unfortunately, Tsukishima was also the one mostly in charge of handling his debt, so he could not actually be avoided. Hinata was assured by Akaashi that he’d remove any undue charges Tsukishima would add to the debt, although Hinata would’ve preferred he hadn’t said anything about those undue charges and just did the removals with Hinata none-the-wiser, as then he wouldn’t be paranoid about the things Tsukishima would charge him for.

•

Hinata hadn’t meant to attract the attention of one of Oikawa’s most attached clients. She gave off a weird vibe and when he mentioned her to Yachi, the blonde girl went a little paler than usual (which, while a frequent occurrence, didn’t fail to raise alarm bells in the redhead’s mind).

“She’s territorial,” Yachi managed, eventually, and Hinata had to go through all of the lessons the girl kindly drilled into his head in order to remember what that word meant.

“Oh. So why would she be interested in a guy at a host club? Isn’t he, like, one step from prostitution?” Yachi choked at that, shaking her head to fight down any amusement.

“I don’t think she thinks those other girls are a threat.”

Hinata hummed, “Well, she keeps glaring at me, so maybe she’s just a little dumb and confused.”

Yachi pursed her lips, barely able to keep her laughter contained.

•

Hinata wondered why Yachi’s schoolbag was tossed into the pond. Alongside it sat his, and as he began running through the halls to go attend to the issue, he spotted that client.

Hinata quite pointedly ignored her, continuing down the halls and stairs. He felt a small flame of rage light up in his chest at seeing Yachi’s notebooks scattered across the surface of the water, covers just buoyant enough that the papers were only starting to soak in water, and he prioritized getting her items out and organized before he could even ponder grabbing his own.

He’d been in the pond for twenty minutes, thankfully having managed to salvage most of her things, before a voice broke through the quiet of the grounds. “What are you doing?”

Hinata didn’t need to glance over his shoulder to know it was Oikawa, his voice light and airy, with a hint of playful exasperation.

“I can’t find my wallet.”

“You’ll get sick with your clothes all wet. Can’t you just let it be?”

Oikawa didn’t seem to understand the necessity of what he’d likely consider pocket change. “I need the money for food. I’m not going to get paid for a couple days and I don’t want to starve in the meantime.”

There was a lengthy period of silence. He wondered if Oikawa left, trying desperately to make out the shape of his coin pouch amidst the colorful pebbles lining the bottom of the pond. He nearly growled in frustration as a series of ripples tore through surface, though as he heard the telltale sound of someone wading through water, he spotted the brunette with his pants rolled up and bare feet gingerly resting on the stone.

“What are you doing?” Hinata quarried, eyebrows drawn up in confusion.

Oikawa’s face was concentrated yet somewhat peaceful as he copied Hinata’s searching motions, fingers gliding across the smooth pebbles. A few strands of hair caught the water and were left with shimmering drips that occasionally fell back into the pond.

“I’m helping.”

He never turned to look away from the bottom, focused mostly on the task at hand. Even his distant, deeper, and yet airier voice conveyed how little attention he was giving his words, and Hinata could only wonder if this was the most genuine he’d ever heard the other in their past week of interactions.

“Why?”

“Well, why not? I mean, everyone tells me I’m dripping with good looks,” he chuckled, the breathy quality sending something through Hinata that made him duck his head down and resume seeking his funds.

The two sought it out for over ten minutes before getting any results. The small coin purse, shaped like a small black crow, sat cradled in Oikawa’s palm. He proffered the item to Hinata with a wink, the redhead unclasping it and sighing in relief at the dryness of its interior.

“Thanks, Grand King.”

As Hinata beamed up at the other, the reflected light from the water seemed to hit Oikawa’s eyes harder, as though a flare traveled across the distance between the earth and the sun solely for this moment. He held up a peace sign and smiled back at the other, wondering if such luminance could ever be reproduced.

(If it could, then he’d love to bottle some up and save it for a rainy day, but maybe there was a hint of greed in that thought.)

•

“Oh, dear, I can’t believe someone would do such a thing!” the client across from him cooed. Her face tilted down a bit, and shadows draped across her eyes and cheeks. “Still, I can’t believe you got Tooru to scrape through that filthy pond for you. He always has been excessively charitable.”

“Yeah,” Hinata mumbled, stuffing a bite of cake into his mouth. The sweetness was significantly dampened by the presence of the girl. What was her name, again? His focus shifted to trying to recall it.

“I couldn’t imagine having so little shame that I’d be a charity case, though. I mean, doesn’t it embarrass you to have Tooru waiting on you hand and foot?”

Yachi, who’d been standing just within earshot, turned to their conversation just then, a disgruntled look on her face. Despite the anxiety that spread quivers across her body from her sternum, she frowned heavily and managed to inquire, "Aren’t you just jealous?”

Something flashed across the clients face then: anger, most likely. Hinata was drawn out of his attempt at recollection by her hand shooting across the table to yank him over to her, a scream escaping her as they toppled to the ground. Teapots and cups burst apart upon contact with the pink tiles, some of the tea soaking into the knees of his gifted uniform pants as it puddled.

Hinata’s palms and wrists ached from the way they slammed against the floor, on either side of the client’s head. People were quick to crowd them, murmuring and gazing in horror.

“Help!” she cried, “He attacked me! He just jumped across the table, I--” she scooted out from under him, and he slowly sat back on his haunches before accidentally falling onto his bottom. The discomfort of his soaked clothing did little to distract him from the confusion welling within.

She crawled over to Oikawa whence the brunette stepped closer to the scene. He was the first one over, ever keen regarding the club’s new pet, but only after surveying the situation did he close the distance.

Her fingers clutched at Oikawa’s pant leg, creasing the fabric as she shivered with tears in her eyes. Hinata’s jaw was slack. Did he do something? Did he try to do anything to her while he was spaced out? He was sure she pulled him, but should he have been expecting such a thing and made to avoid it?

He slowly turned his eyes over to Yachi, whose face was creased in an anger he’d never quite seen before. Her meekness took a sideline to the frustration and disbelief drawing together her brows and tugging her lips downwards.

“Tooru, please, you have to do something. He was like an animal, I--”

Her desperate face fell into shock as warm water rushed across her face and scalp, soaking the top of her uniform dress. Her panting became a squeaking staccato, and she blinked as her brows drew up steadily.

“Tooru?” she whispered, before whipping her head around to the Miya Twins, who glared down at her, unimpressed. “What are you doing? Didn’t you hear me?! I--”

“God, you pigs sure like to squeal, don’tcha.”

Osamu glanced down at the jug in his grasp. “I oughtta grab another one at this rate.”

“Why did you--” Hinata startled as Yachi stepped in front of him.

“You pulled him to you! I saw it! You were envious that he got Oikawa-san’s attention and tried to frame him!” she blurted.

More whispers and gasps spread across their audience easily. Oikawa’s face was steely and impassive as the client stared up at him with a cocktail of hurt and anger. “You can’t believe her, Tooru, I--”

“You really are beautiful,” Oikawa interrupted, his fingers gliding under her chin. “But nothing more than that. It seems you’re not classy enough for our club, my dear, and so I’ll have to ask you to leave.”

Tears streamed down her cheeks, Hinata’s heart clenching with a mild bit of sympathy, before she got to her feet and took off, her broken shout of, “Tooru, you idiot--!” echoing through the clubroom.

“I’m sorry, ladies; regrettably, we’ll have to cut our time short for today.” Tsukishima said with his paper-thin smile. It dropped as Akaashi continued for him,

“All of you will receive a full refund of the costs for today’s appointments. You can also use those same funds to reschedule, if you’d like to. We deeply apologize for the inconvenience.”

The girls cooed and cheered, and Tsukishima barely kept his frown from forming.

Eventually the clients filed out of the clubroom, exclaiming their farewells to the hosts. Hinata and Yachi silently stared after them, not wanting to look back to the hosts surrounding them.

“So, what should I do about you?” Oikawa said, drawing Hinata’s reluctant attention. The appraising look and grasp of his own chin were not reassuring at all; Hinata and Yachi glanced at each other and gulped. “Hmm, Tsukki-chan?”

“Don’t call me that,” the bespectacled blonde groused, before pushing up his glasses and smirking. “Since our guests had to leave and receive refunds, our profits for today are at a zero. And because of the drama earlier, we have a few broken teapots and cups from one of our specialty sets, as well as a table that needs to be repaired. To make up for all the damages and overall loss... Akaashi?”

The ravenette typed into a calculator quickly. Bokuto hid behind a sinisterly-grinning Kuroo with his fingers half-heartedly covering his eyes from fear of Akaashi. Akaashi presented the calculator screen within a second.

“Approximately one hundred thousand yen.”

“H-Hundred...”

“Thou...-sand...” Yachi’s eyes swam. Hinata caught her as she half-fainted, both of them shaking with tears welling in their eyes.

“That’ll be added onto your debt, you two. You’d better hope one of your descendents pays it off.” Tsukishima’s smirk shaved additional years off their lives, and Hinata had to pull Yachi’s soul back from the air to shove it back into her body.

“Darn rich people,” he whined. Kuroo cackled.

••

That was fun ngl. Like, some things go slightly different than in OHSHC, but overall it has some of the same vibes I think

I feel like Bokuto and Akaashi as Honey and Mori respectively would be funnily fitting despite the roles I have them in here, but I think I’m gonna be fluid and loosey-goosey about who is which OHSHC character most of the time (since Noya isn’t entirely Honey-like and there are lots of people who can fit different roles). Kenma and/or Kuroo can fit Kyoya and Tamaki roles too, now that I think about it. Damn this show for having so many characters.

Also this is a nightmare to tag since a lot of characters have multiple spellings for their names and there are so many characters. Heck, that’s why I wrote all the ships at the top!

Anyway, I hope y’all liked it! Might write more if asked

Also, should I cross-post some of this to Ao3?

#akaashi keiji akashi #tsukishima tsukki kei #nishinoya yu yuu #aone takanobu #ushijima wakatoshi #hinata shoyo shouyou shouyo shoyou #oikawa tooru tohru toru #hyakuzawa yudai yuudai #bokuto kotaro koutaro kotarou koutarou #kuroo tetsuroo kuro tetsuro #tetsurou #miya osamu #miya atsumu #miya twins #yachi hitoka #ouran hs hc au #haikyu haikyuu hq

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paulckrueger · 3 years

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Dispute Your Overdraft Fee with This Exact Script (plus how to avoid fees in the future)

Banks like Bank of America, TD Bank, Citizens Bank, and Wells Fargo are notorious for overdraft fees, and it’s B.S.

Luckily, you can get your overdraft fees waived (using a simple negotiation script that we’ll provide for you) and beat the banks at their own game.

First, let’s take a super quick look at how overdraft fees really work and break down the exact charges you can expect:

What is an overdraft fee?

An overdraft fee is a charge from your bank that occurs when you take more money out of your checking account than what is currently in there.

Rather than simply decline a transaction for insufficient funds at the point of sale, a customer enrolled in their bank’s overdraft protection service will see the transaction approved.

Wow, really?

This can be a lifesaver in emergency situations when money is needed and there aren’t sufficient funds available in an account.

Most people just pay the overdraft fees without thinking twice about it. They reason that if the bank or credit union was nice enough to let the transaction sail through when it really shouldn’t have, then I’ll pay it, it is what it is.

But overdraft fees are a big problem for several reasons.

Though the fee will vary from bank to bank, here are overdraft fees from a few of the most popular banks as of 2021:

BANK OVERDRAFT FEE

Chase. $34

Bank of America. $35

Wells Fargo. $35

US Bank. $36

PNC Bank. $36

Citibank. $34

These fees might not seem that high for rare, accidental instances occurring just a few times per year.

However, these fees can stack up — and fast (and the banks know it).

One surprising fact is that overdraft fees are incurred per transaction AND can be incurred multiple times in the same day,

So, say you are out and about shopping and using the same debit card. All of the transactions are approved — but you are blissfully unaware that there were insufficient funds in your checking account.

This means that you would be charged separate overdraft fees for all of the approved transactions. This could be hundreds of dollars in fees all on the same day.

Luckily, you can negotiate to get overdraft fees waived if you have the right scripts. That’s why we want to show you exactly how you can get your overdraft fees waived with a simple phone call to your bank.

If you’re worried about your personal finances, you can improve them without even leaving your couch. Check out my Ultimate Guide to Personal Finance for tips you can implement TODAY.

How to get overdraft fees waived

Here’s a truth not a lot of people know: All bank fees are negotiable and can even be refunded.

Remember: Your bank wants to keep you as a customer. A well-executed phone call can often make a difference.

Call your bank and use this script

Here’s how I was able to waive an overdraft fee I got years ago: He called up his bank and the conversation went like this:

RAMIT: Hi, I just saw this bank charge for overdrafting and I’d like to have it waived.

BANK: I see that fee. Unfortunately, we’re not able to waive that fee. It was [some BS excuse about how it’s not waivable].

RAMIT: Well, I’ve been a good customer with the bank for X years now and would still like to get it waived since this is a rare occurrence. What else can you do to help me?

BANK: Hmm, one second sir. I see that you’re a really good customer. I’m going to check with my supervisor. Can you hold for a second?

[hold]

I was able to check with my supervisor and waive the fee. Is there anything else I can help you with today?

And just like that, he got my overdraft fee waived. This script works so well for a number of reasons:

I repeated my complaint and asked the bank rep how they could constructively help me.

I’ve been a loyal customer to the bank for many years, which you should always use to your advantage when calling to negotiate.

I was polite but firm. Nothing can force a negotiation to go sour faster than a bad attitude.

You can use this exact script in order to get yours waived too.

And it doesn’t just work for overdraft fees — you can use this for other bank fees too, like processing fees, monthly fees, late fees, and even ATM fees.

What do you do if the bank says no?

There is always the chance they still say no to your request — and that’s okay. When that happens, there are three options you can take:

Be persistent

Banks pay hundreds of dollars in customer-acquisition costs and don’t want to lose you. If you’re persistent enough and make it hard for them to say no, you’ll have the upper hand if they try to shoot you down.

Hang up and call again

Sometimes getting your fee waived is a matter of getting the right bank rep on the line. If the first bank rep keeps shutting you out, politely thank them for their time, hang up, and dial the number again.

Pay the fee

You’re not going to win all negotiations. Sometimes you’re going to have to just pay the fee. BUT if you have the right scripts and prepare, you can be infinitely more ready than you were before.

When it comes to overdraft fees though, the best system is the one where you don’t have to worry about them at all. That’s why we suggest learning how to avoid getting hit with overdraft fees entirely so you don’t have to concern yourself with negotiating them away after the fact.

How to avoid future overdraft fees

Prevention is better than a cure. So rather than deal with the consequences of overdraft fees, avoid them entirely with these four methods.

1) Opt-out of overdraft protection

When you sign up for a checking account, many banks try to convince you to sign up for automatic overdraft protection. It’s the policy in which the bank will cover you when you overcharge on your debit card, but charge you the overdraft fee for the trouble.

However, if you choose to opt out of overdraft protection, your card will simply get declined every time you attempt to charge more money than you currently have in the account.

Sure, it might be embarrassing if you’re on a date and it turns out you can’t pay for dinner because your card got declined — but it can go a long way in saving you money on overdraft fees.

TIP: Thanks to banking regulations put in place in 2010, it is illegal for banks to automatically enroll customers in automatic overdraft protection. Banks must give customers a choice to accept or decline enrollment.

2) Utilize account transfers

Some banks offer an overdraft protection service that works by transferring money from another account to the one you’re trying to take money from.

This can be from another checking account, a savings account, or even a credit card (depending on what your bank offers).

For example, say you’re using your debit card to buy dinner. Your debit card is linked to your checking account, which doesn’t have enough money in it. If you have an account transfer set up, it’s okay! If you’ve depleted the money in your checking account, money will just be transferred from your savings to cover the costs.

NOTE: Some banks charge a small fee with this practice as well — though it’ll be much lower than an overdraft fee.

3) Try the envelope system

This is a great system to help you keep track of your expenses for anything.

And it’s simple: At the beginning of each month, you allocate cash for things like going out, groceries, gas, and whatever else into envelopes. Once you’ve spent the money in those envelopes, you’re done spending for the month.

Of course, if there’s an emergency you can definitely dip into other envelopes — but that only means you have less money to spend in those areas.

You can set up your envelope system in three steps:

Decide how much you want to spend in each major category each month.

Put money into each envelope (e.g., $200 for groceries, $150 for eating out, $60 for entertainment).

Spend the money — but when the envelopes are empty, that’s it for the month.

You don’t even need to use physical envelopes. You can track your spending with a separate bank account and debit card while opting out of overdraft protection.

When the month starts, transfer around $200 into the account — and when you go out, only spend that money. Once the money is gone, stop spending.

Whatever system you decide to use, you just need to make sure to decide how much you’re willing to spend in each category (and that’s all up to you).

4) Get a new checking account

One great way to avoid overdraft fees entirely is to get a checking account with a bank that doesn’t have them.

My favorite: Charles Schwab Investor Checking

A few highlights:

No fees

No minimums

No-fee overdraft protection

Free checks

Deposit checks via pre-paid envelopes or via iPhone app (snap photos of your check — no need to go into the branch)

An ATM card

Unlimited reimbursement of any ATM usage

That’s right. There’s no-fee overdraft protection AND unlimited ATM reimbursement.

How often do you go out with friends and have to withdraw money from out-of-network ATMs? How often do you find yourself at a cash-only taco place at 3:30 am, needing to withdraw $20, but you hesitate because of onerous ATM fees?

Those fees can add up, and Schwab reimburses you for all of them. If you rack up $200 worth of ATM fees in a month, you’ll see a $200 deposit from Schwab before the month ends. This means you can use ANY ATM — corner stores, other banks, whatever — without having to look for some specific bank’s ATM.

Some people will balk at using Schwab because it’s an online bank. That’s fine, but we urge you to reconsider: It’s rare to find a checking account that (1) avoids screwing you at every turn, and (2) actually rewards you for using them.

5) Use a payment app

One way to ensure that your checking account does not get overdrawn and that the account does not incur overdraft fees is to use a 3rd party payments app, such as PayPal, Venmo, Zelle, or CashApp, and to connect the app to your checking account.

So, if you pay for something with the payment app, and there isn’t enough money in the bank account that the app is connected to, then the transaction simply doesn’t go through — no overdraft fees, no problem.

These payment apps are convenient for P2P — paying your bestie back for paying for your Uber home last night — but generally cannot be set up to pay for bills or for in-store shopping. Because of this, they are limited, but they can be a great way to avoid surprise overdraft fees.

Master your personal finances

Once you learn how to avoid getting nickeled-and-dimed by your bank, you’ll be well on your way to living a Rich Life.

And you don’t need any fancy get rich quick schemes or snake oil. All you need is determination and the right systems put in place to help you get the most out of your financial situation and not have to worry about living “frugally” (aka sacrificing the things you love).

In our Ultimate Guide to Personal Finance, you’ll learn how to:

Master your 401k: Take advantage of the free money offered to you by your company … and get rich while doing it.

Manage Roth IRAs: Start saving for retirement in a worthwhile long-term investment account.

Automate your expenses: Take advantage of the wonderful magic of automation and make investing pain-free.

Enter your info below and get on your way to living a Rich Life today — and avoid overdraft fees forever.

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Dispute Your Overdraft Fee with This Exact Script (plus how to avoid fees in the future) is a post from: I Will Teach You To Be Rich.

from Surety Bond Brokers? Business https://www.iwillteachyoutoberich.com/blog/get-bank-and-overdraft-fees-waived/

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