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Hello! I made these this morning and thought I'd share. You can print these or use them as inspiration for your bullet journal-- whatever works for you. I made one daily cleaning checklist with suggestions and one without. Enjoy :0
I originally made these for myself (since it's easier to remember if I have something I have to physically "check" off) but realized it wouldn't hurt to share.
#filed under: resources#filed under: printables#printables#productivity#routine#productivityboost#100 days of productivity#studyblr#adhd#actually adhd#autism#actually autistic#actually mentally ill#autistic adult#neurodivergent#actually neurodivergent#studyspo#studying#study motivation#checklist#resources#life hack#helpful#useful stuff#bujo#bullet journal#bujo spread
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Please let me know how it is ! I learned HTML, JAVA, and CSS from codecademy yeaaars ago. I've been wondering if I should go back to it and get the pro & receive certificates or not.
hi guys
I got codecademy plus which means i’m actually eligible to earn the course certificates since with codecademy plus I GET ALL OF THE FUCKING CONTENT
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( 553 ) icons of Austin Bulter as Feyd Rautha Harkonnen in Dune: Part 2. these are lite-edited: exposure + offset + gamma correction + sharpness where needed. they are 90x90. feel free to edit/use how you please (psd coloring, resize, etc). 𝒘𝒊𝒕𝒉 𝒎𝒚 𝒃𝒆𝒍𝒐𝒗𝒆𝒅𝒔 𝒊𝒏 𝒎𝒊𝒏𝒅... @rejectory @deficd @nightmarefuele but anyone can use.
...found here.
#feyd rautha rp icons#austin butler rp icons#dune rp icons#feyd rautha#austin butler#free resources#edit: all icons are now up#prob will post some other free resources this month.#irulan icons and something for my pal vital coming soon.#* filed under — ( ooc ) ( the director the writer the sap )
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kaiman dorohedoro minecraft model (for a hermitcraft-style custom head item)
if anyone is interested i will provide link + instructions
#sp#drhdr#kaiman#dorohedoro#btw making a minecraft resource pack with no tutorial is HELL ON EARTH#i spent two hours troubleshooting before i found out i needed something called an atlas file#which apparently is what the game comes to when it's looking for something categorized under “blocks”#and the atlas file is what tells it “maybe you should look in the folder called blocks”#literally the stupidest thing i've ever seen
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anatomy/figure studies from the other day. Grr hissses and snarls at having to learn things.
#resources for the poses scattered across traditional masterwork paintings and refs from tumblr.. i can probably find the refs if i need to#sketchbook page#my art#posting on here mainly so i don't loose these. (they are a layer in a separate file saved under something else)(didn't really wanna movethe#u may be seeing that one guy with nice butt and thinking 'hey do u ever do nsfw?'#and i'll say 'yes. .. but they are hidden from the world.' for i still live with my roman catholic parents.#after studying and drawing these i went on to make the deci i posted the other day with the anatomicalish back muscles
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❦ ⇢ 𝒔𝒕𝒆𝒑𝒉𝒂𝒏𝒊𝒆:
{ 1 } - credits go to @esterpacks { 2 } - credits go to @jericho-gifs
❦ ⇢ 𝒎𝒊𝒍𝒍𝒊𝒆:
{ 1 } - credits go to @lexiresources
❦ ⇢ 𝒂𝒍𝒆𝒙𝒂:
{ 1 } - credits go to @thericons { 2 } - credits go to @baesujiz
❦ ⇢ 𝒄𝒂𝒔𝒔𝒊𝒆:
{ 1 } - credits go to @thericons
❦ ⇢ 𝒑𝒆𝒏𝒆𝒍𝒐𝒑𝒆:
{ 1 } - credits go to @thericons { 2 } - credits go to @emiliavenus { 3 } - credits go to @hqresovrces
❦ ⇢ 𝒅𝒆𝒍𝒊𝒍𝒂𝒉:
{ 1 } - credits go to @thericons
❦ ⇢ 𝒌𝒊𝒓𝒃𝒚:
{ 1 } - credits go to @ofnailbatsandaxefives
❦ ⇢ 𝒅𝒂𝒍𝒍𝒂𝒔:
{ 1 } - credits go to @kaceyrps { 2 } - credits go to @dcminions
❦ ⇢ 𝒑𝒂𝒊𝒔𝒍𝒆𝒚:
{ 1 } - credits go to @hollywocd { 2 } - credits go to @sejanuspiinth { 3 } - credits go to @katherine-mcnamara { 4 } - credits go to @editfandom { 5 } - credits go to @rubycrvz
❦ ⇢ 𝒎𝒂𝒅𝒆𝒍𝒊𝒏𝒆:
{ 1 } - credits go to @emiliavenus { 2 } - credits go to @mdlynclineicons
❦ ⇢ 𝒗𝒊𝒏𝒄𝒆𝒏𝒕:
{ 1 } - credits go to @thericons { 2 } - credits go to @hannamadethese { 3 } - credits go to @hqresovrces
❦ ⇢ 𝒔𝒕𝒆𝒗𝒆:
{ 1 } - credits go to @hsrrington
❦ ⇢ 𝒌𝒚𝒍𝒆:
{ 1 } - credits go to @stannyramirez
❦ ⇢ 𝒂𝒍𝒆𝒙:
{ 1 } - credits go to @librapacks
❦ ⇢ 𝒔𝒉𝒆𝒍𝒃𝒚
{ 1 } - credits go to @magicalbewitchedbynight
❦ ⇢ 𝒊𝒏𝒅𝒊𝒂
{ 1 } - credits go to @cozysip { 2 } - credits go to @lexiresources
❦ ⇢ 𝒐𝒍𝒊𝒗𝒆𝒓
{ 1 } - credits go to @firetfly
❦ ⇢ 𝒋𝒖𝒍𝒆𝒔
{ 1 } - credits go to @beldamgifs
❦ ⇢ 𝒊𝒎𝒐𝒈𝒆𝒏
{ 1 } - credits go to @screensland { 2 } - credits go to @lomapacks { 3 } - credits go to @lomapacks
❦ ⇢ 𝒆𝒍𝒔𝒑𝒆𝒕𝒉
{ 1 } - credits go to @rampldgifs
❦ ⇢ 𝒆𝒍𝒊𝒛𝒂
{ 1 } - credits go to @hqresovrces
❦ ⇢ 𝒆𝒍𝒔𝒊𝒆
{ 1 } - credits go to @sophiexrph
❦ ⇢ 𝒂𝒓𝒄𝒉𝒊𝒆
{ 1 } - credits go to @sacreddonkey
𝒅𝒊𝒗𝒊𝒅𝒆𝒓𝒔
❦ ⇢ 𝒉𝒆𝒂𝒓𝒕𝒔
{ 1 } - credits go to @benkeibear
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THANK YOU FOR THIS!
me when i meet the person who created webp files
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In the wake of the TikTok ban and revival as a mouthpiece for fascist propaganda, as well as the downfall of Twitter and Facebook/Facebook-owned platforms to the same evils, I think now is a better time than ever to say LEARN HTML!!! FREE YOURSELVES FROM THE SHACKLES OF MAJOR SOCIAL MEDIA PLATFORMS AND EMBRACE THE INDIE WEB!!!
You can host a website on Neocities for free as long as it's under 1GB (which is a LOT more than it sounds like let me tell you) but if that's not enough you can get 50GB of space (and a variety of other perks) for only $5 a month.
And if you can't/don't want to pay for the extra space, sites like File Garden and Catbox let you host files for free that you can easily link into NeoCities pages (I do this to host videos on mine!) (It also lets you share files NeoCities wouldn't let you upload for free anyways, this is how I upload the .zip files for my 3DS themes on my site.)
Don't know how to write HTML/CSS? No problem. W3schools is an invaluable resource with free lessons on HTML, CSS, JavaScript, PHP, and a whole slew of other programming languages, both for web development and otherwise.
Want a more traditional social media experience? SpaceHey is a platform that mimics the experience of 2000s MySpace
Struggling to find independent web pages that cater to your interests via major search engines? I've got you covered. Marginalia and Wiby are search engines that specifically prioritize non-commercial content. Marginalia also has filters that let you search for more specific categories of website, like wikis, blogs, academia, forums, and vintage sites.
Maybe you wanna log off the modern internet landscape altogether and step back into the pre-social media web altogether, well, Protoweb lets you do just that. It's a proxy service for older browsers (or really just any browser that supports HTTP, but that's mostly old browsers now anyways) that lets you visit restored snapshots of vintage websites.
Protoweb has a lot of Geocities content archived, but if you're interested in that you can find even more old Geocities sites over on the Geocities Gallery
And really this is just general tip-of-the-iceberg stuff. If you dig a little deeper you can find loads more interesting stuff out there. The internet doesn't have to be a miserable place full of nothing but doomposting and targeted ads. The first step to making it less miserable is for YOU, yes YOU, to quit spending all your time on it looking at the handful of miserable websites big tech wants you to spend all your time on.
#this is a side point so it's going here but I really think tech literacy should be a requirement in schools like math grammar history etc.#we live in a world so dominated by the stuff and yet a majority of the population does not understand it at even the most fundamental level#tiktok#tiktok ban#indie web#neocities#web development#current events#twitter#facebook#meta#amazon
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Saving My Fanfiction Work
First. Side note: This post was only intended to give resources to fanfiction writers and enjoyers. My talk on recent political events was a context/reasoning on why I made this post. Also I’ve had to add more information to this post over time due to people’s confusion in my comments. Explaining it was to make sure that this post didn’t come off as out of the blue for my followers and this community. Which is fanfiction.
Also, why I made this post was from people asking if they could download my fanfiction because of the recent political events in America hence why I named it “saving my fanfiction work” and added my context. So this was also a post to tell people that liked my fanfiction they could download it as long as it was for their personal collection. I merely just wanted to list resources to people who wanted to download fanfiction and don’t know where to start or don’t have the immediate resources. I’m not here to fear-monger. I am just giving resources and the reasoning on why I’m giving them along with urging people to look into those information/recent events as staying aware is important. I respect everybody who’s given their opinion and yes, some of my grammar in this post is not adequate as this post was merely made for giving/stating resources.
Lastly, I will no longer update this post with comments as I’ve said my peace, nor will I pay attention to the notifications as they are muted. As my page is for fanfiction not politics. Thank you for the people in this community who share this post for the resources see you around the tags! Stay safe friends!!✨ Remember I love you! And you are loved!💛
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Due to the recent events in the United States. To clarify the recent events being Trump becoming president of the United States, Project 2025 more than likely going to be integrated. If you are not familiar with Project 2025 I urge you to look it up.
Along with the KOSA bill that has many problems and it has passed the senate now needing the finally vote in the house, which both are majority red. Go here to learn more on why it needs to be stopped and how you can. This is another component that will harm our communities. Go to: stopkosa.com
With all of its harmful plans some of the plans are to take down/restrict internet sites that have LGBTQ+ communities that means communities like the fan-fiction communities/sites in the United States.
I am only giving resources to those inside and out of the US in case they banned sites that hold fan-fiction. Better safe than sorry.
Being that I live in the US the possibly of mine and many others Fanfiction has the possibly of being in danger. Therefore I'm giving you recourses. (I'm not leaving or stopping my writing, I'm here for the fight!)
For those wanting to save my fanfiction, I give you permission to download them off of AO3 and to be used for your personal collection. Meaning, your eyes only. To clarify I’m saying this as others have asked if they could download my fanfic so for those who would like to you can.
If you do not know how to download them many others on online have tutorials on how to download them and add them to our phone libraries.
Here are some links to tutorials:
Downloading Fanfic
Adding to Iphone & Android Library
Adding to Kindle Library - Video on How (On TikTok)
Adding Book Covers (At the bottom) - Good EPUB Cover Changer (I use this)
Types of Files and What they mean
Please stay safe out there! Remember to follow the rules below.
DO NOT share the downloaded file anywhere online.
DO NOT repost the downloaded file under your name.
Fanfiction is protected under copyright law when plagiarism is involved. If you plagiarize my work, either a piece or whole in any language, I will take legal action. Inspiration or the same idea does NOT apply to this, only word-for-word plagiarism in any language.
♥ mx-pastelwriting does not consent to their fanfiction being copied, copied & credited, translated, used in videos and/or audios, screenshotted, used in AI, or reposted on any other platform without permission.
♥ mx-pastelwriting does give consent to "reblog," sharing links to direct work, and being in recommend lists.
Please stay safe out there friends! I love you so much! Know that there will always people that love you and in for the fight to make sure you are loved!
And here are some resources in case you don’t feel okay! Resources here

#tony stark x reader#carlisle cullen x reader#daryl dixon x reader#eddie brock x reader#remus lupin x reader#severus snape x reader#charles smith x reader#hosea matthews x reader#hank anderson x reader#dutch van der linde x reader#thomas hewitt x reader#thomas shelby x reader#hannibal x reader#cardinal copia x reader#negan smith x reader#cooper howard x reader#klaus mikealson x reader#john price x reader#silco arcane x reader#viktor arcane x reader#vander arcane x reader#papa emeritus iii x reader#papa emeritus iv x reader#papa emeritus ii x reader#papa emeritus i x reader#tumblr fanfic#fanfiction writer#fanfic writing#fanfiction#ao3 fanfic
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[GoogleDocs Link] -> pictures are not the full document, just a snippet!
Hello! I've made a fairly detailed planning tutorial based off of backwards planning + character creation. You start off by imagining a character who already completed all of your goals. By the end you have a 12 week framework including bite sized tasks + one habit per week to hit your one year goals. You can use short term + long term goals with this and adjust it to your needs. There's also a little bit of "gamification" to this, you can either ignore it or you can go with it. It's up to you! I figured I'd share. I originally created this for myself (it's easier for me to conceptualize things if I pretend I'm teaching someone). But I thought someone else may struggle with planning without a guide/template. So.
If you need a printable / ipad chore chart you'd like to use in conjunction with this, here is a free set I posted. I might make a printable version of this soon :0 We will see! Feel free to send me an ask for any questions you might have regarding this / ways to make this easier for you to carry out.
#filed under: bunnytalks#filed under: resources#open folder: fun#progblr#studyblr#coding#resources#study blog#study help#study motivation#planning#planner#planner resources#actually adhd#actually autistic#actually neurodivergent#100 days of productivity#planning ahead#studying#studying aesthetic#study plan#bujo#bujoblr
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tag drop
#—— filed under » [ OOC ] «#—— filed under » [ ARC 01 ] «#—— filed under » [ ARC 02 ] «#—— filed under » [ ARC 03 ] «#—— filed under » [ FELIX VIVIT ] «#—— filed under » [ I SAW GOD & IT WAS YOU ] «#—— filed under » [ STARTERS ] «#—— filed under » [ PROMPTS ] «#—— filed under » [ WANTED PLOTS ] «#—— filed under » [ WANTED OPPOSITES ] «#—— filed under » [ HEADCANONS ] «#—— filed under » [ VISAGE ] «#—— filed under » [ MUSINGS ] «#—— filed under » [ LIKES ] «#—— filed under » [ PROMO ] «#—— filed under » [ RESOURCES ] «#—— filed under » [ & FELIX ] «#—— filed under » [ & HARA ] «#—— filed under » [ OLIVER & LIAM ] «
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( 60 ) icons of Sophie Thatcher in the trailer for Companion. these are lite-edited: exposure + offset + gamma correction + sharpness where needed. they are 90x90. feel free to edit/use how you please (psd coloring, resize, etc). 𝒘𝒊𝒕𝒉 𝒎𝒚 𝒃𝒆𝒍𝒐𝒗𝒆𝒅 𝒊𝒏 𝒎𝒊𝒏𝒅... @vitalphenomena but anyone can use.
...found here.
#sophie thatcher#sophie thatcher icons#companion#companion icons#rp icons#free resources#* filed under — ( ooc ) ( the director the writer the sap )
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"The story of 'John Doe 1' of the Democratic Republic of the Congo is tucked in a lawsuit filed five years ago against several U.S. tech companies, including Tesla, the world’s largest electric vehicle producer. In a country where the earth hides its treasures beneath its surface, those who chip away at its bounty pay an unfair price. As a pre-teen, his family could no longer afford to pay his $6 monthly school fee, leaving him with one option: a life working underground in a tunnel, digging for cobalt rocks. But soon after he began working for roughly two U.S. dollars per day, the child was buried alive under the rubble of a collapsed mine tunnel. His body was never recovered.
The nation, fractured by war, disease, and famine, has seen more than 6 million people die since the mid-1990s, making the conflict the deadliest since World War II. But, in recent years, the death and destruction have been aided by the growing number of electric vehicles humming down American streets. In 2022, the U.S., the world’s third-largest importer of cobalt, spent nearly $525 million on the mineral, much of which came from the Congo.
As America’s dependence on the Congo has grown, Black-led labor and environmental organizers here in the U.S. have worked to build a transnational solidarity movement. Activists also say that the inequities faced in the Congo relate to those that Black Americans experience. And thanks in part to social media, the desire to better understand what’s happening in the Congo has grown in the past 10 years. In some ways, the Black Lives Matter movement first took root in the Congo after the uprising in Ferguson in 2014, advocates say. And since the murder of George Floyd and the outrage over the Gaza war, there has been an uptick in Congolese and Black American groups working on solidarity campaigns.
Throughout it all, the inequities faced by Congolese people and Black Americans show how the supply chain highlights similar patterns of exploitation and disenfranchisement. ... While the American South has picked up about two-thirds of the electric vehicle production jobs, Black workers there are more likely to work in non-unionized warehouses, receiving less pay and protections. The White House has also failed to share data that definitively proves whether Black workers are receiving these jobs, rather than them just being placed near Black communities. 'Automakers are moving their EV manufacturing and operations to the South in hopes of exploiting low labor costs and making higher profits,' explained Yterenickia Bell, an at-large council member in Clarkston, Georgia, last year. While Georgia has been targeted for investment by the Biden administration, workers are 'refusing to stand idly by and let them repeat a cycle that harms Black communities and working families.'
... Of the 255,000 Congolese mining for cobalt, 40,000 are children. They are not only exposed to physical threats but environmental ones. Cobalt mining pollutes critical water sources, plus the air and land. It is linked to respiratory illnesses, food insecurity, and violence. Still, in March, a U.S. court ruled on the case, finding that American companies could not be held liable for child labor in the Congo, even as they helped intensify the prevalence. ... Recently, the push for mining in the Congo has reached new heights because of a rift in China-U.S. relations regarding EV production. Earlier this month, the Biden administration issued a 100% tariff on Chinese-produced EVs to deter their purchase in the U.S. Currently, China owns about 80% of the legal mines in the Congo, but tens of thousands of Congolese work in 'artisanal' mines outside these facilities, where there are no rules or regulations, and where the U.S. gets much of its cobalt imports. 'Cobalt mining is the slave farm perfected,' wrote Siddharth Kara last year in the award-winning investigative book Cobalt Red: How The Blood of the Congo Powers Our Lives. 'It is a system of absolute exploitation for absolute profit.' While it is the world’s richest country in terms of wealth from natural resources, Congo is among the poorest in terms of life outcomes. Of the 201 countries recognized by the World Bank Group, it has the 191st lowest life expectancy."
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4t2 Metal Roof Hatches
These roof hatches by Phaeton99 converted to Sims 2.
I adjusted them to fit the grid: the small one is 1x1 tiles, the medium is 1x2, and the biggie is 2x3. Each size has an open and a closed version. The footprint for them all is only 1 tile, so OMSP wizards can go crazy with these.
I made the top and the base separately recolorable and gave them a few recolors, including some glass ones for the top that make these look less of a hatch and more of a skylight.

All of the other meshes are repositioned to the closed medium one.
These do not work like real windows, so you will need invisible floor tiles to use them as skylights without the weather getting in. This is intentional, as combined with ladders or loft stairs, these look like actual hatches sims can climb through.
I also added a sleeker edit of the 1x2 open mesh that clips less with ladders (no closed version of this one). The preview is included with the archive.
Download (SFS) (alternate)
The files are compressed. The closed meshes are around 450 polys and the open ones are around 1040 polys. The texture size is 512x256.
Located under build/architecture, the small ones cost §250, medium ones §300, and the big ones §350. If you don't have either Apartment Life or Mansion & Garden, you can use the object relocator to move them elsewhere in the catalog.
Thank you @lordcrumps for extracting the resources and @gummilutt for ideas and support ❤️
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Paying consumer debts is basically optional in the United States

The vast majority of America's debt collection targets $500-2,000 credit card debts. It is a filthy business, operated by lawless firms who hire unskilled workers drawn from the same economic background as their targets, who routinely and grotesquely flout the law, but only when it comes to the people with the least ability to pay.
America has fairly robust laws to protect debtors from sleazy debt-collection practices, notably the Fair Debt Collection Practices Act (FDCPA), which has been on the books since 1978. The FDCPA puts strict limits on the conduct of debt collectors, and offers real remedies to debtors when they are abused.
But for FDPCA provisions to be honored, they must be understood. The people who collect these debts are almost entirely untrained. The people they collected the debts from are likewise in the dark. The only specialized expertise debt-collection firms concern themselves with are a series of gotcha tricks and semi-automated legal shenanigans that let them take money they don't deserve from people who can't afford to pay it.
There's no better person to explain this dynamic than Patrick McKenzie, a finance and technology expert whose Bits About Money newsletter is absolutely essential reading. No one breaks down the internal operations of the finance sector like McKenzie. His latest edition, "Credit card debt collection," is a fantastic read:
https://www.bitsaboutmoney.com/archive/the-waste-stream-of-consumer-finance/
McKenzie describes how a debt collector who mistook him for a different PJ McKenzie and tried to shake him down for a couple hundred bucks, and how this launched him into a life as a volunteer advocate for debtors who were less equipped to defend themselves from collectors than he was.
McKenzie's conclusion is that "paying consumer debts is basically optional in the United States." If you stand on your rights (which requires that you know your rights), then you will quickly discover that debt collectors don't have – and can't get – the documentation needed to collect on whatever debts they think you owe (even if you really owe them).
The credit card companies are fully aware of this, and bank (literally) on the fact that "the vast majority of consumers, including those with the socioeconomic wherewithal to walk away from their debts, feel themselves morally bound and pay as agreed."
If you find yourself on the business end of a debt collector's harassment campaign, you can generally make it end simply by "carefully sending a series of letters invoking [your] rights under the FDCPA." The debt collector who receives these letters will have bought your debt at five cents on the dollar, and will simply write it off.
By contrast, the mere act of paying anything marks you out as substantially more likely to pay than nearly everyone else on their hit-list. Paying anything doesn't trigger forbearance, it invites a flood of harassing calls and letters, because you've demonstrated that you can be coerced into paying.
But while learning FDCPA rules isn't overly difficult, it's also beyond the wherewithal of the most distressed debtors (and people falsely accused of being debtors). McKenzie recounts that many of the people he helped were living under chaotic circumstances that put seemingly simple things "like writing letters and counting to 30 days" beyond their needs.
This means that the people best able to defend themselves against illegal shakedowns are less likely to be targeted. Instead, debt collectors husband their resources so they can use them "to do abusive and frequently illegal shakedowns of the people the legislation was meant to benefit."
Here's how this debt market works. If you become delinquent in meeting your credit card payments ("delinquent" has a flexible meaning that varies with each issuer), then your debt will be sold to a collector. It is packaged in part of a large spreadsheet – a CSV file – and likely sold to one of 10 large firms that control 75% of the industry.
The "mom and pops" who have the other quarter of the industry might also get your debt, but it's more likely that they'll buy it as a kind of tailings from one of the big guys, who package up the debts they couldn't collect on and sell them at even deeper discounts.
The people who make the calls are often barely better off than the people they're calling. They're minimally trained and required to work at a breakneck pace. Employee turnover is 75-100% annually: imagine the worst call center job in the world, and then make it worse, and make "success" into a moral injury, and you've got the debt-collector rank-and-file.
To improve the yield on this awful process, debt collection companies start by purging these spreadsheets of likely duds: dead people, people with very low credit-scores, and people who appear on a list of debtors who know their rights and are likely to stand on them (that's right, merely insisting on your rights can ensure that the entire debt-collection industry leaves you alone, forever).
The FDPCA gives you rights: for example, you have the right to verify the debt and see the contract you signed when you took it on. The debt collector who calls you almost certainly does not have that contract and can't get it. Your original lender might, but they stopped caring about your debt the minute they sold it to a debt-collector. Their own IT systems are baling-wire-and-spit Rube Goldberg machines that glue together the wheezing computers of all the companies they've bought over the last 25 years. Retrieving your paperwork is a nontrivial task, and the lender doesn't have any reason to perform it.
Debt collectors are bottom feeders. They are buying delinquent debts at 5 cents on the dollar and hoping to recover 8 percent of them; at 7 percent, they're losing money. They aren't "large, nationally scaled, hypercompetent operators" – they're shoestring operations that can only be viable if they hire unskilled workers and fail to train them.
They are subject to automatic damages for illegal behavior, but they still break the law all the time. As McKenzie writes, a debt collector will "commit three federal torts in a few minutes of talking to a debtor then follow up with a confirmation of the same in writing." A statement like "if you don’t pay me I will sue you and then Immigration will take notice of that and yank your green card" makes the requisite three violations: a false threat of legal action, a false statement of affiliation with a federal agency, and "a false alleged consequence for debt nonpayment not provided for in law."
If you know this, you can likely end the process right there. If you don't, buckle in. The one area that debt collectors invest heavily in is the automation that allows them to engage in high-intensity harassment. They use "predictive dialers" to make multiple calls at once, only connecting the collector to the calls that pick up. They will call you repeatedly. They'll call your family, something they're legally prohibited from doing except to get your contact info, but they'll do it anyway, betting that you'll scrape up $250 to keep them from harassing your mother.
These dialing systems are far better organized than any of the company's record keeping about what you owe. A company may sell your debt on and fail to keep track of it, with the effect that multiple collectors will call you about the same debt, and even paying off one of them will not stop the other.
Talking to these people is a bad idea, because the one area where collectors get sophisticated training is in emptying your bank account. If you consent to a "payment plan," they will use your account and routing info to start whacking your bank account, and your bank will let them do it, because the one part of your conversation they reliably record is this payment plan rigamarole. Sending a check won't help – they'll use the account info on the front of your check to undertake "demand debits" from your account, and backstop it with that recorded call.
Any agreement on your part to get on a payment plan transforms the old, low-value debt you incurred with your credit card into a brand new, high value debt that you owe to the bill collector. There's a good chance they'll sell this debt to another collector and take the lump sum – and then the new collector will commence a fresh round of harassment.
McKenzie says you should never talk to a debt collector. Make them put everything in writing. They are almost certain to lie to you and violate your rights, and a written record will help you prove it later. What's more, debt collection agencies just don't have the capacity or competence to engage in written correspondence. Tell them to put it in writing and there's a good chance they'll just give up and move on, hunting softer targets.
One other thing debt collectors due is robo-sue their targets, bulk-filing boilerplate suits against debtors, real and imaginary. If you don't show up for court (which is what usually happens), they'll get a default judgment, and with it, the legal right to raid your bank account and your paycheck. That, in turn, is an asset that, once again, the debt collector can sell to an even scummier bottom-feeder, pocketing a lump sum.
McKenzie doesn't know what will fix this. But Michael Hudson, a renowned scholar of the debt practices of antiquity, has some ideas. Hudson has written eloquently and persuasively about the longstanding practice of jubilee, in which all debts were periodically wiped clean (say, whenever a new king took the throne, or once per generation):
https://pluralistic.net/2020/03/24/grandparents-optional-party/#jubilee
Hudson's core maxim is that "debt's that can't be paid won't be paid." The productive economy will have need for credit to secure the inputs to their processes. Farmers need to borrow every year for labor, seed and fertilizer. If all goes according to plan, the producer pays off the lender after the production is done and the goods are sold.
But even the most competent producer will eventually find themselves unable to pay. The best-prepared farmer can't save every harvest from blight, hailstorms or fire. When the producer can't pay the creditor, they go a little deeper into debt. That debt accumulates, getting worse with interest and with each bad beat.
Run this process long enough and the entire productive economy will be captive to lenders, who will be able to direct production for follies and fripperies. Farmers stop producing the food the people need so they can devote their land to ornamental flowers for creditors' tables. Left to themselves, credit markets produce hereditary castes of lenders and debtors, with lenders exercising ever-more power over debtors.
This is socially destabilizing; you can feel it in McKenzie's eloquent, barely controlled rage at the hopeless structural knot that produces the abusive and predatory debt industry. Hudson's claim is that the rulers of antiquity knew this – and that we forgot it. Jubilee was key to producing long term political stability. Take away Jubilee and civilizations collapse:
https://pluralistic.net/2022/07/08/jubilant/#construire-des-passerelles
Debts that can't be paid won't be paid. Debt collectors know this. It's irrefutable. The point of debt markets isn't to ensure that debts are discharged – it's to ensure that every penny the hereditary debtor class has is transferred to the creditor class, at the hands of their fellow debtors.
In her 2021 Paris Review article "America's Dead Souls," Molly McGhee gives a haunting, wrenching account of the debts her parents incurred and the harassment they endured:
https://www.theparisreview.org/blog/2021/05/17/americas-dead-souls/
After I published on it, many readers wrote in disbelief, insisting that the debt collection practices McGhee described were illegal:
https://pluralistic.net/2021/05/19/zombie-debt/#damnation
And they are illegal. But debt collection is a trade founded on lawlessness, and its core competence is to identify and target people who can't invoke the law in their own defense.
Going to Defcon this weekend? I’m giving a keynote, “An Audacious Plan to Halt the Internet’s Enshittification and Throw it Into Reverse,” today (Aug 12) at 12:30pm, followed by a book signing at the No Starch Press booth at 2:30pm!
https://info.defcon.org/event/?id=50826
I’m kickstarting the audiobook for “The Internet Con: How To Seize the Means of Computation,” a Big Tech disassembly manual to disenshittify the web and bring back the old, good internet. It’s a DRM-free book, which means Audible won’t carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:
http://seizethemeansofcomputation.org
If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:
https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act
#pluralistic#jubilee#debts that cant be paid wont be paid#Patrick McKenzie#patio11#bits about money#debt#debt collection#do not pay#bottom feeders#Fair Debt Collection Practices Act#fdcpa#finance#armbreakers
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Free or Cheap Mandarin Chinese Learning Resources Because You Can't Let John Cena One Up You Again
I will update this list as I learn of any more useful ones. If you want general language learning resources check out this other post. This list is Mandarin specific. Find lists for other specific languages here.
For the purposes of this list "free" means something that is either totally free or has a useful free tier. "Cheap" is a subscription under $10USD a month, a software license or lifetime membership purchase under $100USD, or a book under $30USD. If you want to suggest a resource for this list please suggest ones in that price range that are of decent quality and not AI generated.
WEBSITES
Dong Chinese - A website with lessons, a pinyin guide, a dictionary, and various videos and practice tests. With a free account you're only allowed to do one lesson every 12 hours. To do as many lessons as quickly as you want it costs $10 a month or $80 a year.
Domino Chinese - A paid website with video based lessons from absolute beginner to college level. They claim they can get you ready to get a job in China. They offer a free trial and after that it's $5 a month or pay what you can if you want to support their company.
Chinese Education Center - This is an organization that gives information to students interested in studying abroad in China. They have free text based lessons for beginners on vocab, grammar, and handwriting.
Pleco Dictionary App - This is a very popular dictionary app on both iOS and Android. It has a basic dictionary available for free but other features can be purchased individually or in bundles. A full bundle that has what most people would want is about $30 but there are more expensive options with more features.
MIT OpenCourseWare Chinese 1 2 3 4 5 6 - These are actual archived online courses from MIT available for free. You will likely need to download them onto your computer.
Learn Chinese Web Application From Cambridge University - This is a free downloadable file with Mandarin lessons in a PC application. There's a different program for beginner and intermediate.
Learn Chinese Everyday - A free word a day website. Every day the website posts a different word with pronunciation, stroke order, and example sentences. There's also an archive of free downloadable worksheets related to previous words featured on the website.
Chinese Boost - A free website and blog with beginner lessons and articles about tips and various resources to try.
Chinese Forums - An old fashioned forum website for people learning Chinese to share resources and ask questions. It's still active as of when I'm making this list.
Du Chinese - A free website and an app with lessons and reading and listening practice with dual transcripts in both Chinese characters and pinyin. They also have an English language blog with tips, lessons, and information on Chinese culture.
YOUTUBE CHANNELS
Chinese For Us - A channel that provides free video lessons for beginners. The channel is mostly in English.
Herbin Mandarin - A channel with a variety of lessons for beginners. The channel hasn't uploaded in a while but there's a fairly large archive of lessons to watch. The channel is mainly in English.
Mandarin Blueprint - This channel is by a couple of guys who also run a paid website. However on their YouTube channel there's a lot of free videos with tips about how to go about learning Chinese, pronunciation and writing tips, and things of that nature. The channel is mainly in English.
Blabla Chinese - A comprehensible input channel with content about a variety of topics for beginner to intermediate. The video descriptions are in English but the videos themselves are all in Mandarin.
Lazy Chinese - A channel aimed at intermediate learners with videos on general topics, grammar, and culture. They also have a podcast. The channel has English descriptions but the videos are all in Mandarin.
Easy Mandarin - A channel associated with the easy languages network that interviews people on the street in Taiwan about everyday topics. The channel has on screen subtitles in traditional characters, pinyin, and English.
StickynoteChinese - A relatively new channel but it already has a decent amount of videos. Jun makes videos about culture and personal vlogs in Mandarin. The channel is aimed at learners from beginner to upper intermediate.
Story Learning Chinese With Annie - A comprehensible input channel almost entirely in Mandarin. The host teaches through stories and also makes videos about useful vocabulary words and cultural topics. It appears to be aimed at beginner to intermediate learners.
LinguaFlow Chinese - Another relatively new channel but they seem to be making new videos regularly. The channel is aimed at beginner to intermediate learners and teaches and provides listening practice with video games. The channel is mostly in Mandarin.
Lala Chinese - A channel with tips on grammar and pronunciation with the occasional vlog for listening practice, aimed at upper beginner to upper intermediate learners. Some videos are all in Mandarin while others use a mix of English and Mandarin. Most videos have dual language subtitles onscreen.
Grace Mandarin Chinese - A channel with general information on the nitty gritty of grammar, pronunciation, common mistakes, slang, and useful phrases for different levels of learners. Most videos are in English but some videos are fully in Mandarin.
READING PRACTICE
HSK Reading - A free website with articles sorted into beginner, intermediate, and advanced. Every article has comprehension questions. You can also mouse over individual characters and see the pinyin and possible translations. The website is in a mix of English and Mandarin.
chinesegradedreader.com - A free website with free short readings up to HSK level 3 or upper intermediate. Each article has an explaination at the beginning of key vocabulary words in English and you can mouse over individual characters to get translations.
Mandarin Companion - This company sells books that are translated and simplified versions of classic novels as well as a few originals for absolute beginners. They are available in both traditional and simplified Chinese. Their levels don't appear to be aligned with any HSK curriculum but even their most advanced books don't have more than 500 individual characters according to them so they're likely mostly for beginners to advanced beginners. New paperbacks seem to usually be $14 but cheaper used copies, digital copies, and audiobooks are also available. The website is in English.
Graded Chinese Readers - Not to be confused with chinese graded reader, this is a website with information on different graded readers by different authors and different companies. The website tells you what the book is about, what level it's for, whether or not it uses traditional or simplified characters, and gives you a link to where you can buy it on amazon. They seem to have links to books all the way from HSK 1 or beginner to HSK 6 or college level. A lot of the books seem to be under $10 but as they're all from different companies your mileage and availability may vary. The website is in English.
Mandarin Bean - A website with free articles about Chinese culture and different short stories. Articles are sorted by HSK level from 1 to 6. The website also lets you switch between traditional or simplified characters and turn the pinyin on or off. It also lets you mouse over characters to get a translation. They have a relatively expensive paid tier that gives you access to video lessons and HSK practice tests and lesson notes but all articles and basic features on the site are available on the free tier without an account. The website is in a mix of Mandarin and English.
Mandarin Daily News - This is a daily newspaper from Taiwan made for children so the articles are simpler, have illustrations and pictures, and use easier characters. As it's for native speaker kids in Taiwan, the site is completely in traditional Chinese.
New Tong Wen Tang for Chrome or Firefox - This is a free browser extension that can convert traditional characters to simplified characters or vice versa without a need to copy and paste things into a separate website.
PODCASTS
Melnyks Chinese - A podcast for more traditional audio Mandarin Chinese lessons for English speakers. The link I gave is to their website but they're also available on most podcatcher apps.
Chinese Track - Another podcast aimed at learning Mandarin but this one goes a bit higher into lower intermediate levels.
Dimsum Mandarin - An older podcast archive of 30 episodes of dialogues aimed at beginner to upper beginner learners.
Dashu Mandarin - A podcast run by three Chinese teachers aimed at intermediate learners that discusses culture topics and gives tips for Mandarin learners. There are also male teachers on the podcast which I'm told is relatively rare for Mandarin material aimed at learners and could help if you're struggling to understand more masculine speaking patterns.
Learning Chinese Through Stories - A storytelling podcast mostly aimed at intermediate learners but they do have some episodes aimed at beginner or advanced learners. They have various paid tiers for extra episodes and learning material on their patreon but there's still a large amount of episodes available for free.
Haike Mandarin - A conversational podcast in Taiwanese Mandarin for intermediate learners. Every episode discusses a different everyday topic. The episode descriptions and titles are entirely in traditional Chinese characters. The hosts provide free transcripts and other materials related to the episodes on their blog.
Learn Chinese With Ju - A vocabulary building podcast aimed at intermediate learners. The podcast episodes are short at around 4-6 minutes and the host speaks about a variety of topics in a mix of English and Mandarin.
xiaoyuzhou fm - An iOS app for native speakers to listen to podcasts. I’m told it has a number of interactive features. If you have an android device you’ll likely have to do some finagling with third party apps to get this one working. As this app is for native speakers, the app is entirely in simplified Chinese.
Apple Podcast directories for Taiwan and China - Podcast pages directed towards users in those countries/regions.
SELF STUDY TEXTBOOKS AND DICTIONARIES
Learning Chinese Characters - This series is sorted by HSK levels and each volume in the series is around $11. Used and digital copies can also be found for cheaper.
HSK Standard Course Textbooks - These are textbooks designed around official Chinese government affiliated HSK tests including all of the simplified characters, grammar, vocab, and cultural knowledge necessary to pass each test. There are six books in total and the books prices range wildly depending on the level and the seller, going for as cheap as $14 to as expensive as $60 though as these are pretty common textbooks, used copies and cheaper online shops can be found with a little digging. The one I have linked to here is the HSK 1 textbook. Some textbook sellers will also bundle them with a workbook, some will not.
Chinese Made Easy for Kids - Although this series is aimed at children, I'm told that it's also very useful for adult beginners. There's a large number of textbooks and workbooks at various levels. The site I linked to is aimed at people placing orders in Hong Kong but the individual pages also have links to various other websites you can buy them from in other countries. The books range from $20-$35 but I include them because some of them are cheaper and they seem really easy to find used copies of.
Reading and Writing Chinese - This book contains guides on all 2300 characters in the HSK texts as of 2013. Although it is slightly outdated, it's still useful for self study and is usually less than $20 new. Used copies are also easy to find.
Basic Chinese by Mcgraw Hill - This book also fuctions as a workbook so good quality used copies can be difficult to find. The book is usually $20 but it also often goes on sale on Amazon and they also sell a cheaper digital copy.
Chinese Grammar: A beginner's guide to basic structures - This book goes over beginner level grammar concepts and can usually be found for less than $20 in print or as low as $2 for a digital copy.
Collins Mandarin Chinese Visual Dictionary - A bilingual English/Mandarin visual dictionary that comes with a link to online audio files. A new copy goes for about $14 but used and digital versions are available.
Merriam-Webster's Chinese to English Dictionary - In general Merriam Websters usually has the cheapest decent quality multilingual dictionaries out there, including for Mandarin Chinese. New editions usually go for around $8 each while older editions are usually even cheaper.
(at the end of the list here I will say I had a difficult time finding tv series specifically made for learners of Mandarin Chinese so if you know of any that are made for teenage or adult learners or are kids shows that would be interesting to adults and are free to watch without a subscription please let me know and I will add them to the list. There's a lot of Mandarin language TV that's easy to find but what I'm specifically interested in for these lists are free to watch series made for learners and/or easy to understand kids shows originally made in the target language that are free and easy to access worldwide)
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