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Anaconda, Children, and Instagram: O4G16:36 YUP V yup-that-exists Libraries in LA are starting to let kids read to pay off their late fees. Each hour they spend reading knocks off $5 from their balance. The idea has exploded, having 100 kids a week reading away their debt and over 3,500 accounts cleared during the first six months of the program. YUP Follow us on Instagram too: https://www.instagram.com/yup.that.exists pup-rusty Can we figure out a way to do this to student loan debt. imthehuggernaut O O4G16:36 imthehuggernaut I would read Ayn Rand to pay down my student loans colt-kun Our library ran the expenses and realized we spent about 3,000$ MORE than what we got back in trying to collect late fees. So? We dropped them completely. No late fees. Period If you keep a book, it auto renews two times. Then it comes up as overdue. If your overdue items exceed a certain amount, your account freezes. You can't use any of the local libraries anymore until you return the items or claim them lost and pay for them. If someone else is waiting for the book, you can't renew. Its that simple. And guess what. Not only did we save money, but we / got more materials back/. More materials were turned in than declared lost as compared to before. There was no stigma to it. If you had already paid for the item, the money was credited back to you Because the people late fees actually affected were children and elderly adults - people unable to regularly get to the library. And the stigma of late items was dropped. Attitude and mindset are important. we still have no late fees. And we are considered to be one of the top public systems in our state. People from 00 4G . 16:37 dropped. Attitude and mindset are important. we still have no late fees. And we are considered to be one of the top public systems in our state. People from out of state PAY to get library cards for a year because our online Overdrive system is amazing, and we have a ton of partnerships and interlibrary loan systems in place. AND we suffer less losses of both materials and patrons due to our "no late fee" policy Serve your public. Don't belittle them Fuente: yup-that-exists 82,689 notas ourclosetistorclothes homoluthor marvelheroes ¿Dónde está la biblioteca?

¿Dónde está la biblioteca?

Alive, America, and Anaconda: can do it TO DO LIST <p><a href="https://corbinalexanderwealthguidance.tumblr.com/post/173631157384/corbin-alexander-weallth-guidance-posted" class="tumblr_blog">corbinalexanderwealthguidance</a>:</p><blockquote> <p><b>CORBIN ALEXANDER WEALLTH GUIDANCE:  </b>POSTED 05/06/2018<b></b></p> <p><b>STARTING OUT FROM SCRATCH – </b>POST #1 IN MY SERIES<b></b></p> <p><b>BUDGETING:</b></p> <p>50/30/20/RULE:</p> <p>For the person already living life, this is an essential rule of thumb:</p> <p>-          50% to <b>Needs</b>:  utilities, rent, food, car insurance (<b>never buy a car on credit/payments and be </b> <b>required to pay collision coverage:  only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck</b>), gas, <b>clothes allowance</b>, etc.  Essentials needed to live!</p> <p>-          20% to <b>Savings &amp; Investment</b>:   used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to <b>NEVER</b> pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments!</p> <p>-          30% to <b>Wants</b>:  vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house:  if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “<b>Wants</b>”.</p> <p>Two methods to keep you on track:</p> <p> -          The spread sheet method:  this is where you track your budget in MS Excel.</p> <p> -    The envelope method:  this is where you assign envelopes labeled by each expense.   </p> <p><b>EMERGECY FUND:  </b></p> <p>This where you have a bank savings account holding a minimum of six months of expenses to pay “<b>all</b>” your monthly bills in the event of a job lose or an illness:  you are <b>NEVER</b> to dip into this unless you are in a dire straight situation.  </p> <p><b>Establish this fund FIRST before all other suggestions are followed.</b></p> <p><b> </b></p> <p><b>SAVINGS &amp; INVESTMENT:   </b></p> <p>-          Start saving for an emergency fund first.</p> <p>-          <b>Do not</b> use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance.</p> <p>-          Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…<b>stay tuned</b>!</p> <p>-          Start investing in my ”<b>ALL PURPOSE</b>” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s.</p> <p>-          Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date!</p> <p><b>CREDIT CARDS/BANKING MANAGEMENT:</b></p> <p><b> </b>-          Establish a credit history at 18 years old before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt card through <b>Capital One.com</b> or a similar lender.   And do not forget to get a small personal loan ($1,000.00 minimum) at a <b>local bank</b> using a co-signer to qualify for the loan.</p> <p> As you <b>SLOWLY</b> establish a credit history; apply for a no-fee/low credit limit card through <b>Discover.com</b> and/or <b>Capital One.com.</b></p> <p><b> </b></p> <p><b>HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.</b></p> <p><b> </b></p> <p>-          Earn interest in an interest-bearing savings or CD account:</p> <p>               Not all banks are created equal; which is why most are banking wrong:   </p> <p>               <b>BANK OF AMERICA</b>:  This is a “fee city” bank.  You name it, they have a fee attached</p> <p><b>TD BANK</b>:  This is a bank with convoluted morals.  Good luck banking in this environment; more horseshit then you can shake a stick at!  </p> <p> -   If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!).</p> <p><b>You are better off going to a local bank or a federal credit union for your banking needs.</b></p> <p>BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018!</p> </blockquote>

corbinalexanderwealthguidance: CORBIN ALEXANDER WEALLTH GUIDANCE:  POSTED 05/06/2018 STARTING OUT FROM SCRATCH – POST #1 IN MY SERIES BUDGET...

Anaconda, Cute, and Money: <p><a class="tumblr_blog" href="http://winjennster.tumblr.com/post/137271558514">winjennster</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://m-muscle-chan.tumblr.com/post/135417973431">m-muscle-chan</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://allthenamesilikearetaken.tumblr.com/post/135301109594">allthenamesilikearetaken</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://sweet-cherry-fairy.tumblr.com/post/135300937014">sweet-cherry-fairy</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://ladynorbert.tumblr.com/post/135300782609">ladynorbert</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://raisehelia.tumblr.com/post/131833295700">raisehelia</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://nonespark.tumblr.com/post/130119420323">nonespark</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://strikercorbie.tumblr.com/post/130046315238">strikercorbie</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://g8dtier.tumblr.com/post/129924953012">g8dtier</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://avodaco.tumblr.com/post/127710083884">avodaco</a>:</p> <blockquote> <p>me when i get my student loan</p> </blockquote> <p>this is the money cat. reblog in 30 seconds and you will find yourself with more wealth</p> </blockquote> <p><a href="http://t.umblr.com/redirect?z=https%3A%2F%2Ftumblr.com%2Ftagged%2Fthis-is-the-only-money-cat-i-will-reblog-because-it%2527s-actually-doing-the-manekineko-pose&amp;t=YzE2N2RmMjQzNjEyODhjYThkM2ZhMDMzM2IyMWZiMzg0NmE5ZTk1NSw0ektnTEVVUg%3D%3D" class="tumblr_blog">#this is the only money cat i will reblog because it’s actually doing the manekineko pose</a>151,646 notes (via <a href="http://tmblr.co/mazPrttlHsKm5kHhdhBmInA">lolwhutninja</a>)</p> <p>OMG YOU’RE RIGHT<br/></p> </blockquote> <p>and it has its right paw up! the correct paw for this.<br/><br/>and from the markings on its ears, it looks like it might be a calico cat. which is the luckiest kind!</p> </blockquote> <p>extremely lucky cat</p> </blockquote> <p>I don’t even care if it actually works, I’m mostly reblogging because it’s freaking adorable.</p> </blockquote> <p>cute cat and need money, good post, 10/10</p> </blockquote> <p>in case anyones interested in the other versions</p> <figure class="tmblr-full" data-orig-height="650" data-orig-width="520" data-orig-src="https://78.media.tumblr.com/94feb8943bc1bbb6c2987b45045d22f6/tumblr_inline_nzfrqeP7du1re2vca_540.png"><img src="https://78.media.tumblr.com/8e5071c2feb11403f8bb65e5ceec4cea/tumblr_inline_p7gft9JDad1r95ub3_540.png" class="" data-orig-height="650" data-orig-width="520" data-orig-src="https://78.media.tumblr.com/94feb8943bc1bbb6c2987b45045d22f6/tumblr_inline_nzfrqeP7du1re2vca_540.png"/></figure><p><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.namaii.com%2Fmanekineko%2Fmaneki-neko-types.html&amp;t=ZWJhZTM3ZGJiYTE4YTBjOGI3YzhhNjk2NjA5OWQ2MDFiMDc5MzYxZiw0ektnTEVVUg%3D%3D">http://www.namaii.com/manekineko/maneki-neko-types.html</a><br/></p> </blockquote> <p>Y’know I reblogged this a bit ago and was saved from financial probation and getting kicked out of school because of it, just mere months from graduation. Got a call from the financial aid advisor telling me that they made a mistake with filing my account (or some other sort of clerical error) and said that, basically, they owe me money. Welp.</p> </blockquote> <p>Last time I reblogged the money cat, I won two $100 gift cards at work.</p> </blockquote>

winjennster: m-muscle-chan: allthenamesilikearetaken: sweet-cherry-fairy: ladynorbert: raisehelia: nonespark: strikercorbie: g8dtier...

9gag, Memes, and Happy: Being carried by mama vs being carried by papa - 📷 loan___er | TW - happy spring blossom 9gag

Being carried by mama vs being carried by papa - 📷 loan___er | TW - happy spring blossom 9gag