#i would pay off my hecs debt | Explore Tumblr Posts and Blogs

otrtbs · 2 years

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my weird questions as an Australian about America because I have no American friends:

Do you have Hungry Jacks???? It’s basically McDonalds but better but I just wonder if it’s an Australian thing

Do you drink the water out of the tap?? I’ve seen people mention it but I wonder if it’s true. We drink tap water or the tank water depending on what you have at the house

Why is your food sizes so big???

How many classes do you take a day in high school and when do you start/finish school each day?? In Australia, we start classes at 9 and finish at 3

Do all school let you stay on campus even after school is finished?? If so, that just seems barbaric to me

Do you have credit/data on your phone or do you just use wifi????

When you have student loan debt, do you just have to pay it off as soon as you finish school??? Here in Australia, we have HECS and once you earn a certain amount each year, it comes out of your pay check and you don’t even know

Do you guys not have Medicare???? Like is it easier to just be sick then go to your doctor???

In Australia, we have Centrelink and it’s money from the government if you don’t have a job/are studying/a single parent, etc. Do you have something similar??

Do Americans watch cable TV and if so, do you have shows that come on the same time each night? We have things like Home and Away that we watch at 7pm nearly every night

That’s all my questions for now!

hello!!

1. we do not have hungry jacks 😔 i have never heard of that before

2. you can drink water out of the tap!! and a lot of people do!! some refrigerators have water or you can buy brita’s to filter your water if you prefer!! and a lot of people just buy cases of bottled water

3. i have no idea but it’s kinda nice bc it’s cheap and you can make one meal go a long way w the leftovers 🤷‍♀️

4. in my high school we took eight classes (math, English, science, gov/history, economics (and electives) so I took French, debate, psychology) that was my senior schedule at least!! my high school started at 7:25 am and ended at 2:55 pm everyday

5. you do stay on campus after school is out for all kinds of things like sports clubs and extracurricular activities (national honor societies, French club, etc) and you can stay for tutoring if you needed extra help in classes !! So even though school was done by 2:55, normally depending on what you did you would be there until 4-5

6. We do have data here for our phones!! not everything is Wi-Fi !!

7. So the way my student loan debt works is , i have 6 months after I graduate to start making payments on it. I can apply for a deferral to ask for more time before I begin payments and if you’re a student (say I go from graduate school to law school) I don’t have to pay on my loans until I’m done w school but it accrues interest the entire time

8. There is Medicare for people over 65 and Medicaid for qualifying individuals but not universal healthcare so often it really is easier to just be sick than to go to the doctors if you don’t have insurance or good insurance through your job because it’s HELLA expensive if you get sick here. so as unfortunate as it is, a lot of people wait until they really need a doctor before they go :(((

9. Not super knowledgeable abt this ngl but you can apply for unemployment benefits and food stamps which I guess would be the sort of equivalent ??? But you have to qualify for those programs

10. We do have cable tv!! a lot of people watch cable tv it’s very common!! I watch jeopardy almost every night at 10pm on cable hahaha

hope this helps! <3

#asks

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exploresmallworlds · 6 months

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A Sabbath for us all: the electric boogaloo

I’ve explored the concept of the sabbath in a way that discusses my history drawn straight from the heart of Judaism by way of Protestant Millerites of the 19th Century. But drawing on his original heritage - I myself am not Jewish nor a scholar of Judaism. But I can verify that often sabbaths were not just for a day but often for weeks or years. The concept of enforced rest is something that a number of cultural traditions and faiths are familiar with. In Judaism particularly, there was famously the debt sabbath where debts were written off every seven years. Something that seems inconceivable in our modern time where debts often last longer and have more impact.

Of the few debts I have incurred, with the awareness of luxury and frugality, is my HECs debt. My HECs debt with a large number of Australians has been indexed to 7% to match inflation but my wages or my opportunities have not had the same increase. I am angry of course, but resigned because there are more important things to discuss. But a debt sabbath would be nice. If money is made up and only the expression of debt then maybe, maybe I can have a debt sabbath too. I’m not earning enough to gain the benefits of paying it back, although I have previously. I will have to shoulder the burden of something I couldn’t even make decisions over. I wouldn’t call that democracy.

The proud labour tradition forged in this country and even in this city, has a very special relationship with rest. It's in the eight hour slogan - eight hours to work, to sleep and to rest. If you go to the Trades Hall in Sussex Street - now infested with Labor hacks but once the radical centre of movement that acknowledged work but also the ability for working people to better themselves and rest; with large libraries stocked with updated knowledge and spaces to collaborate. Such is needed again to have a place that is bustling and loud and places for learning so that our rest is life affirming. How far the mighty have fallen when Labor hacks and their MPs refuse to advocate for the same. The same politicians who approved the HECs debt indexation.

The union movement amongst others is the leader in advocating not just the conditions of work but also the conditions of our rest. Our social condition is determined by the momentum of collective action. It is not hard to pitch to most people that we need more rest. We already have a culture of long weekends and long lunches for rich people. But maybe the economy doesn’t need continuous growth, maybe a recession is what we need (even considering the negative harms of a slowdown). If we go where I think we are heading, it will be the second once in a lifetime recession in the last twenty years. Not a stellar record for the status quo.

The rest is often made in reference to productivity and employment but never in reference to people who actually need it. I think that when we demand rest, it is not because it will improve efficiency or help our economy but because it is fundamental to the wellbeing of communities and their need for regeneration. It is common to hear that laziness and rest are made at the expense of other peoples labour and inconvenience but that also obscures the reality it is needed for our continued existence on this planet. In fact, a slowdown needs to be distributed equitably for best results.

Douglass remarks that “power never concedes without demand. It never has and it never will.” Some sabbaths are not about stopping, but instead changing up and creating spaces for new ideas. And that is what we need to face in the next crisis prone era. A sabbath for us all is the one that we work for and demand.

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iampikachuhearmeroar · 4 years

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tl;dr political rant post:

it had been my goal from 12 years old to do an arts degree in philosophy (yes what a nerd- thanks to my dad playing a Great Courses philosophy dvd one morning in 2007 and my dad always taking me to the botanic gardens/the uni some weekends).

i graduated from my arts degree in 2018, with a major in english and a minor in philosophy. i was so, so lucky to even get into my communications & media degree (at first i was originally going to do marketing communications, advertising & PR)... but i realised that i was not made for business subjects- despite my mark101 tutor telling me she thought i had knack for marketing- something under this policy that i wouldn’t undertake due to the price hike for commerce/business degrees. nor was i made for a media degree. so i changed to arts & humanities.

although under this atrocious policy, english subjects are made “cheaper”- why on fucking should the rest of someone’s arts/humanities degree be so much more expensive, all depending on the fields they choose???? so you’re telling me, if i was instead to enter undergrad this year to do my english degree... that my english major would be subsidised, but my philosophy minor would be at double the cost (along with the few first year business and communications&media subjects i did), unless i forced myself to pick maths or science subjects that i would most definitely fail, no matter how much work i’d put into them??? or there’s languages- but much like maths/science- there’s the problem with my handwriting that stopped me trying french and even japanese (ironically, since it’s know for its ~painstakingly neat and orderly~ script- but my handwriting is still messy, disorderly and confusing asf).

*please note that most of this next section is just me being highly spurious and cynical. it’d probably work out fine*

but you’re also telling me that under this policy that i’d also probably have to forego my reasonable adjustments in those subjects (yes i still have trouble with my handwriting to this day) mostly because a lot of software still won’t let you write out maths problems properly or i’d have to spend twice as long trying to get a graph to work in excel or idek matlab (please teach me maths nerds)???? and most maths working out is probably better handwritten or whatever??? and that’s besides the point that i still can’t use excel at all 😂.

so with these classes then, would i be battling from day one of first year with professors to let me use a computer during exam periods (unless of course they use online/take home exam methods like philosophy)???? probably (im being very suspicious here because i don’t know how science/maths etc faculties work).

although i did get this once with one particular english professor; who used the excuse that he didn’t know how to set a computer up for exams because he had been on “sabatical for 4 years” or whatever and so “didn’t know the policies anymore”.... so then according to him it was apparently “the students job to do it.... especially since you’re in third year, miss williams”..... however, i was promptly then told by EVERY uni offical that i approached for help to do it for me.... and my other professors across my course that had done it for me, that it was in fact the PROFESSORS job/responsibility to set it up, and not the student’s??? like. help your students fuckwit professor grant??? honestly. anyway. aside from my personal struggles in the english department: let’s proceed. (this was a real incident btw).

would i be at a significant disadvantage to other students by not being able to use a computer during maths exams or science exams because of the drawing of diagrams and graphs and “showing your working”???? hell yes. would i want the professors in that department to probably condescendingly telling me all the time to “present my work neater and more precisely”? FUCK NO. it’s exactly why i avoided every maths and science subject in undergrad- even including the astronomy subject that i wanted to do- because it also meant that fellow students had to read my handwriting for practicals etc as well, that i wasn’t entirely keen on either. but i did not need the harsh reminders of “be more precise and infallible in your work presentation” that i’d had at school constantly for 11 years of maths lessons; affecting my mental health and performance in a subject during a uni semester.

moreover, that’s besides the fact that i’d flat out fail the “year 12 band 4 maths” requirements- unless they want to waive those- for first year maths/science subjects (at least basing it on my local uni).... considering that i actually skipped out on maths completely in year 12 by doing a TVET/tafe/technical college course in live theatre, production and events (which no surprises here, actually included maths anyway 😅).

because, fuck. is ANYONE seeing a trend in my study choices here? hell, i almost did a commerce/business dual degree with a tafe diploma in event management for crying out fucking loud. and you’re telling me that’s also doubled in price?? it’s obvious that i was interested in the arts & humanities and business subjects from the get-go. but under this policy- i’d be charged double for having my interest in event management, instead of say, biology (which is a subject that if it weren’t for mark scaling in my final hsc exam- i would have failed completely)??? utterly ridiculous.

i even contemplated doing a double degree with law at one point (or doing a legal studies major/minor- which is now a course at my local uni, but was not while i was there). however, law course fees have also doubled under this new policy. leaving that out of reach for me, despite that a double degree with law was out of reach for me anyway..... since my mark average was 65% and not at least 75% lol. but as if those marks averages will actually matter under this new policy.

under this bullshit policy, i’d be forced to take science/maths or even teaching (another field i had to avoid, since people can’t read my writing on a whiteboard from a distance half the time either.... besides the fact that i’m not really the ~teacher type~) subjects- all so that my degree price overall will be ”reduced”..... meaning that i would have to trade out my philosophy minor for something in maths/teaching/science (or maybe creative arts- since those fees stayed the same roughly)... instead of sticking to what i was good at: philosophy and other humanities/social science fields like sociology and history????

i understand that many people will snub me with saying “oh why did you even BOTHER going to uni if you were THAT indecisive about what you wanted to do?” which is something i’ve seen many older people saying on posts about this policy. but hell, i was 19 FUCKING YEARS OLD WHEN I STARTED UNI, FOR GODS SAKE. OF COURSE I WAS GOING TO BE FUCKING INDECISIVE ABOUT MY DIRECTION IN LIFE! because, newsflash fuckwits: not everyone has a defined career goal at 19. hell, i still don’t have one at almost 25..... since i’ll admit here, that i flunked out of my postgrad library course.... because i realised that i simply couldn’t cope with learning simple HTML, CSS and javascript coding for website design & user experience design 😂 (again help me computer wiz friends). yes, believe it or not, librarians have to know that today. and most people think that it’s just all about books (okay that was me, but i was wrong). also, if you’re wondering: postgrad library courses aren’t affected, thank god. but my point is, aren’t we meant to fuck up and pick the wrong things in life sometimes??? aren’t we meant to be indecisive about our choices in our late teens up until our mid 20s???

but now you’re telling students that their very first year of uni is practically set out for them, even for arts/humanities degrees (im not counting properly prescribed degrees such as engineering/science/communications & media (they had prescribed majors and prescribed first year subjects, which is why i left it. because i felt trapped in the prescribed marketing et al major etc); all because the government is telling them that “oh to make your first year cheaper: (A.) get good marks.... so that we don’t cancel your HECS place and (B.) pick subjects outside of the arts/humanities like science/maths/tech related subjects so that you don’t pay a whopping $14,500 for your first year of uni and will be more likely to be “job ready”. whatever the actual fuck “job ready” really means. and this all as if there ISN’T enough pressure for a 18/19 year old to succeed in their first year of uni already.

although, the one thing i’ll say is that my one year advanced diploma in marketing that i did in 2014, was $16,500. i still haven’t made any moves to pay it off. but it was constantly in the back of my mind during uni, both undergrad and postgrad. it was there as a reminder to pick cheaper subjects, so as to not greatly increase my combined hecs debt and vet-fee help debt; which is now sitting at $42,500. which under this new policy is the new price of ONE arts & humanities undergrad degree. i’d hate to be going into uni next year at 19 years old (or any age really) with that price tag on my degree.

anyway. that’s the end of my non-sensical rant. morrison and the rest of the libs etc can go fuck themselves.

#life #about me #shut up ilona #auspol

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rueur · 4 years

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Morning Pages No. 61

Monday 24th August - 1:04pm

I know that it’s a bit late in the day to start this entry, but I needed another bit of a morning off. Evan and I had an early night last night but we had sex first. We were both so tired afterwards due to consistent daily workouts, that we ended up falling asleep naked and staying asleep till about 8am. To be clear, we went to bed around 10:30pm, so it was a long night of sleep for both of us. I’m grateful for it though, because even though my calves still hurt like crazy, I do feel refreshed and like the healing process is underway. What did we do this morning? The son of a bitch restarted Breath of the Wild and we’ve both been playing on his new save file. I have to buy another copy of that game because I really want to replay it now. Even so, I have a lot of work to do and I’m yet to make proper headway on Julie’s new site. It’s coming along relatively fine in Squarespace but I’ve only worked on it for about an hour and I’ve yet to add the privacy policy and finetune a lot of the product links. I feel like we’ll absolutely need to add some copy for the products, and definitely put a disclaimer about the use of fabric softener either at the top of the description or below...or both? It’s pretty important.

I’ve been chatting to Sarah on Whatsapp. I feel like Sarah is a bit of a better influence on me than Wren, but I hate that I’m comparing them both in my head. I just feel a bit disheartened in my relationship with Wren, because of all the horrid experiences I’ve had with them over the course of this year. It’s been quite confronting to see how Wren acts when they’ve decided they’re in a more dire situation than me...like I’m not even sure if that’s what’s happened, but that’s what it’s felt like to me. I can’t understand how they’ve just been able to decide that just because they’re living alone, this time is harder on them? I don’t know. And even if it is harder, which I can admit that it most likely is, that doesn’t mean that I should have to incorporate addressing their pain into my life on a daily basis. I was willing to chat every day. But I also don’t want to feel like my life has to be placed on hold for them, whenever they may want me. I’ve felt like that enough in this friendship as it is. I’ve given them whatever I’m capable of giving, and I’ve given them a hell of a lot more than I’ve given any other friend I have ever had. Except, maybe, for Malith. But Malith has certainly given me more than I’ve given him. Goddamn. I’m fighting the urge to delete this whole paragraph, but I deserve to express myself. This year has been fucking hard for me. I’ve not been suicidal, because that part of my life is over. Even if Evan and I break up, that part of my life will always always be over. It’s no longer an option in my head, to go down that route. It’s a time-waster. There are better things to do than yearn without end, than wish for better than you’ve got. I’ve been dealt both a bad and good hand, and it’s only bad because I see it as so. It’s only good because I see it as so. Wren needs to learn that everyone has fucked up mums, figuratively speaking. Everyone has SOMETHING that they wish they had lived without. Everyone has SOMETHING that they wished was just a smidge better than it was. I don’t want any part of explaining all the fucked up shit that has happened to me over the course of my childhood. I don’t want to have a dick-measuring contest when it comes to depression and trauma. Fuck that. I’d much rather live in the present and be happy with the life I’ve built for myself. Even Wren needs to feel their privilege to a certain degree. It would be ludicrous if they didn’t. Two apartments, a job that they love that compensates them really fucking well, and an abundance of resources that provides them with independence and agency. I have so little of all that they have, and I’m working my ass off for next to nothing in return, just building up a resume that may not even receive a stolen glance at the end of all of this mindful building. Who knows? My fate rests in the hands of people who I feel quite sincerely don’t want me to succeed. I have a name and face and degree that is just...unhireable. But I don’t let that beat me the fuck down, because I know that I work harder and fucking smarter than anyone else on that pile of resumes. So I keep going, knowing that my work will become of a benefit to whichever organisation I end up representing.

My whole being right now is just revolving around entering the industry, like properly becoming a content writer and being able to actually use my degree to begin to pay off that motherfucking HECS debt. I know I’m swearing a fucking lot, but I feel like it’s actually helping me so I’m not going to stop. I don’t care who reads this and who judges me for it because at the end of the day, you’re the ones reading these sensitive pages on a blog that I’ve told nobody about. How did you get here?

I’m feeling paranoid, fired up. I can feel it in my fingers. My hands are freezing cold, and Evan’s in the one room that has the heater and he’s sitting there on his ass with the door shut. And I’m starting to feel like maybe I always find myself on the outside because I allow myself to get there. I have to start standing up for my damn self, but also...I know how to choose my battles, I suppose. Is it knowing how to choose your battles if you partake in a MINIMAL number of battles? Like a fractional amount of battles to the battles that you could have potentially fought in? Fuck. Nicky’s sleeping on my white vest. I may need to patch that up, but the inner fabric is so sheer, I’m not entirely sure how it’ll respond to a needle and thread. I may need excess fabric...we’ll see.

My cross-stitch order is on the way, and I’m excited to begin this new activity. I bought a hot air balloon pattern for Wren, I’m not sure if I’ve already said that. I’m looking forward to learning how to do this, because apparently it’s quite similar to knitting? Or at least the basics of knitting. I’ve heard that cross-stitch is a good introduction to knitting. After this, it may be good to see if I can give crochet a go too, but it’s also a little bit intimidating. I mean crochet is all about three-dimensional creations, whereas cross-stitch and knitting are generally more...patterned art, scarves, and blankets. Still functional, but more veering on the side of two-dimensionality. I’m a touch surprised that ‘dimensionality’ is a word. It feels like the kind of word that a primary school-aged student would assert is ‘ACTUALLY A WORD’, even though you know it’s not. OH, listen to this fresh hell! That ‘SNACCIDENT’ Typo lunch mug thingo we have says that the word ‘SNACCIDENT’ is a VERB, which is plain RIDICULOUS. If the word ‘accident’ is a noun and they’re claiming that ‘SNACCIDENT’ is a verb, then a sample sentence using that word would read as follows: ‘Henry snaccidented’. VERBS ARE FUCKING DOING WORDS. In no CONCEIVABLE UNIVERSE would ‘SNACCIDENT’ be considered a VERB. My fucking lord. These pages are just RAGE-FILLED, aren’t they? Which is actually pretty interesting, because I don’t feel mad? I feel fine. I feel a little bit annoyed that it’s almost 1:30pm and I’ve not done a lick of work either today or yesterday. I’m thinking I should send Julie a text today asking if she’d be free to meet up again sometime early next week, maybe Tuesday or Wednesday? I feel like I could make great progress on the website during that time. We shall see what happens. We shall see what I eventually get around to doing. I need money, gosh darn...

I feel like I’ve been writing a lot about money during these pages, and I understand why. Money has become a bit of an issue for me since moving out, which I know...doesn’t necessarily need to be said. But you must understand that I’m studying AND working AND working AND working AND working. And I’m still not making that much. It’s frustrating. I’m trying not to think about it right now because of lockdown and the fact that the bulk of my situation is currently out of my own control, but this is all really because of the house. Just knowing that Evan and I are ready for that step is enough for me to just want it now. The issue is - as is usually the case - MONEY. If we had enough for at least a 10% deposit, that would be insane. But a 10% deposit on a house valued at $500,000 is $50,000, and combined we only have HALF of that. If we could potentially get some rich parents or guardians to match what we have, then we could actually do it. But who even has rich parents or guardians? And I don’t think my dad would sign off on this until maybe after we’re married? I’m fighting the urge to go check if the house is still even listed online. I’m hopeful that it’ll be up until we have the money. Or maybe until we can get to a combined $30,000, to give us a bit of a buffer once we’ve given the rest of our money to whichever gross corporation decides to grant us a loan. Ahhhhhh. Why does this world try its hardest to strip you of all your agency? Why is it that so many people struggle to even find a place to be? A place to call their own? It’s cruel. I can only hope this archaic order is on its way out. I was hoping the realities of climate change, or police brutality, or perhaps even COVID-19 would pave the way for the people’s revolution, but I now feel it may be something more innocuous, more unexpected. Something that the bigwigs won’t see coming, as the people themselves won’t see it coming. Even so, everybody knows that it’s on its way. The ultimate fight between the oppressors and the oppressed, and the one brawl that may reveal the future of western society. Democracy is indeed dead. We’ll see how quickly the next system comes into place, and exactly whose side that system will be on. And as for the universal base income, I find myself rooting more and more for it, but I also know that it may be provided to us as a band-aid, built to keep the people’s revolution at bay. But as long as there are billionaires, there’s no way that the revolution won’t be coming. Exponential growth cannot occur unless it’s built on the backs of millions, billions. This current system is just not economically viable, which is ironic considering that ‘economic strength’ is usually the reason capitalists vouch for capitalism. I believe capitalists are just people who haven’t shirked their ‘American Dream’ yet, who basically still believe in Santa Claus. I’m not even sure what to call myself. A social capitalist? I believe people should feel compelled to build their businesses and to innovate their industries, but I don’t believe in penalising those who have ‘valueless skills’. I also refuse to believe there is such a thing as a ‘valueless skill’. Perhaps being able to write stream of consciousness entries is a valueless skill. That may be the only thing.

#morning pages #streamofconsciousness #61 #artistsway #money #wren #work

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essiekoneill · 4 years

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hi essena! i'm in my first year of uni and im struggling so much, i dont know what to do... im depressed and failing all my classes, im going to lose my scholarship because of this. my parents are going to be so angry, i feel so guilty that they are paying so much money for my tuition and dorm. i also have no interest in what i am studying (sciences). i used to be such a great student, i dont know what happened to me :(

Hey babe just wanna come here and say Isaak who is like the smartest/most hardworking human ever (yep) felt the exact same way with his scholarship / studying "science" at this certain uni... his body/depression took over. He now looks back and goes wow that was a natural reaction to feeling stuck and lost and not knowing any other options... I am so sad to hear all this pressure and expectation you might of had before you began your degree is now coming undone in reality... but I'm happy it's now and not 5 years into the future... right? Also I strongly believe our mental health is tied to multiple/complex biopsychosocial factors... so how you are feeling, wanna respect and validate it without coming up with lots of conclusions... I feel to say sooo many of my very "successful" private school peers have changed degrees / failed / dropped out / HATE their current jobs... In Aus we have hecs so it's debt you pay only if you earn over a certain amount (should be free like most politicians in power right now enjoyed but whatever neoliberalism), so the two times I've left degrees that no longer felt right (this is allowed and your free will life in life is soooo important, how can you know what you want fresh outta school I reckon???) I felt SUCH big guilt... so did Isaak but man our bodies need to be respected/listened to... we need to pause before it gets even more intense... does that make sense? I know so many people with degrees in my area that are now working hospo/anything they can get like me... it's pretty weird right now in my circle in regards to who actually cares about their degree vs "better finish it cause" vs "wtf I should have had a break and done something else I've wasted 3 years and so much debt". Have you spoken to a counsellor about this all at your uni/college? They could suck (go in knowing your comfortability around them is everything) or they could be really beautiful/caring and help with these big big big things going on for you. Your health to me is no.1 priority and I just want you to know that realising you want something different/ a change from what you thought you wanted previously... this is so allowed and perhaps some time off (can you finish the sem? Get extensions?) could be the very best thing for your long term wellbeing. 💜 and finding a path that feels integral / you get excited by. Education is so important to me, but not as important as how you feel integrally about your path... Isaak would say to his younger self "mate law sucks, science sucks, you don't know what you want, everyone around you doesn't either". Just want you to know you are not alone in these big scary decisions right now i for one dream of a world where changing degrees/ taking time to reflect and experience life before locking into a career path was rewarded/promoted. I am scared this is not a great answer, so please, feel free to vent here more... find people who are a little older perhaps who care like this ❤ again, any free counsellors on your campus? Let's get u mega support right now ❤

#uni #mental health

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magdalyne · 4 years

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green!!

what’s your favorite thing to do outside? hmmm well i go for walks w my friend/neighbour a few times a week lately so rn thats my fave thing to do bc i actually get to BE outside lol

do you like camping? not my first choice of accomodation but ill do it if i must. one of my biggest fears is having to shit outside actually

what would you spend $1,000 on? i would pay off some of my hecs debt lmao !!! or buy books :)

what’s your job, or what do you want to do as your job? i wanna be a crime scene investigator or a forensic scientist doing fingermark analysis/forensic intelligence... whew a gurl can dream

what’s your favorite article of clothing? i have a few tbh but my most favourite is this jumper i got from cotton on that me and my brother call 'the onion jumper' that i randomly bought in the city bc i was cold and it was down to $15 from $50 bc it had one loose thread. another one is my 'executive producer dick wolf' t-shirt. oh and my jeans with the jigglypuff patch on the butt. oh AND my lizard queen lisa shirt

#thank u roze !!#got some more bad news today my cousins dog has cancer and has to be put down so this was a nice distraction thank u #ask

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drferox · 6 years

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Hi dr ferox! Im sure you get asked this a lot, but not a lot of dvms in my area are open about sharing this... how do you manage debt from your degree/ how do you cope with the debt to salary ratio of your practice? I’m halfway through my undergrad and watching my debt stack up and I was wondering if you had any advice? I want to go into veterinary research

I’m going to assume you’re American and I feel so, so sorry for you.

Down here we have things called Commonwealth Supported Places for our university degrees. They are basically discounted because the government is footing part of the bill, compared to an international or full fee place. Each course will have a certain number they can fill, depending on the country’s need for that profession.

In addition, we have a system that used to be called HECS and is now FEE-HELP, which is basically a government loan. However, you only pay it back once you start earning a minimum amount in a financial year, so repayments are tied to your income, not interest or an arbitrary figure. I don’t even ‘make’ the repayments as such. Additional tax is withheld from my pay check and if I have earned over the threshold it goes to pay off my loan. If I didn’t earn over that threshold, as in my first six months of employment, it gets refunded as part of my tax return.

So after eight and a half years of practice, I will possibly pay them off this financial year. That’s working some extra hours at a second job these last three years or so, but still, I’m close.

Now, if I’d been a full fee paying student I’d have a debt of two to three times what I’ve actually had, and it would have taken me something like thirty years to pay off.

Is it any wonder financial woes weigh so heavy on our mental health? I have no idea how American educated vets survive.

#veterinarian #vetblr #debt #finance #money #mental health #australia #Anonymous

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dscgshauntingground · 6 years

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the second thing I would do is pay off my hecs debt and Em’s as well... then buy us a HOUSE

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emmastudies · 6 years

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1/3 Emma, my apologies in advance for the length - I feel a lot of pressure to get a job (being 15) but at times last year I could barely cope with all my schoolwork (I had to hand in an assessment uncompleted for the first time 😖) and going into year ten I really don’t want my schoolwork to suffer. My parents are fine financially but I would like to contribute money for them and the household as well as some for myself so I dont have to rely on them, plus I’m petrified about Uni fees

2/3 Although as I have social anxiety its hard finding a job that I could handle mentally, most offered to those my age are servers at Maccas or something. I’m good with children but babysitting would still mean talking to parents, I think I could push myself to talk to them but no one really does that around here, and I think I’d probably have a panic attack over being responsible for a strangers child (no family live near me) (plus I wouldn’t know where to start & I doubt anyone would hire me)

3/3 I guess I just want some advice. Should I focus on my studies, get into Uni (hopefully primary school teaching) and then worry about paying off fees(My parents would let me continue to live with them during and a bit after Uni, so I wouldn’t have to worry about rent and such), or force myself to get a job now? I know the government does give you money if you’re studying in Uni and don’t make a lot of money, maybe I would have to use that route, do you know more about that?- Thank you, C🇦🇺

Hey C! You and I are very similar, so hopefully this answer is a bit more meaningful. When I was 14-15, all my friends were getting jobs. Mainly in food with some venturing into retail as they were able. My parents never forced me to seek out a job or contribute financially so I am very lucky. It was my choice if I really wanted one. I have never really been a big spender so I didn’t have the monetary drive. All of my friends would complain about their jobs - like it was one of main things they would talk about. What made it worse was that before you’re 16 (I think, correct me if I’m wrong) you can only work in food. I am super picky with any food. I don’t like to eat so much stuff. I can’t stand the smell of some food. I don’t even like touching plates or bottles with certain foods on them. So the prospect of doing that with other peoples freaked me out. I then had a period after turning 16(ish) where I was incredibly nervous to talk to anyone. To an extent, a job might have got me over that fear but I was too freaked out to even consider getting one. It then got to the point where school was getting more intense and I needed to spend more time focused on my studies. So throughout all of high school, I didn’t have a job. I think for my senior year that was a good thing. I definitely had more time to focus and could take time out every now and then for self-care. However, I feel having a job would have given me more experience with time management and social skills. As for university, my student fees have to be paid per semester. I’m not a resident so don’t have the ability to have the government pay my fees. In this instance, my parents have to pay my fees. I do feel terrible that I don't contribute to my fees but it does give me a great level of motivation. But I believe you can HECs most, if not all, student debt until you earn a certain amount. I would say keep an eye out if there are any jobs available - you don’t have to actively seek but if there is an opportunity consider it. I would probably put more focus into your work if you are able too. If you have any form of allowance, maybe you could talk about reducing it and having your parents set up an account that it just the additional money. Hope this helps xx

#answered #ask #q

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fuckstudy · 6 years

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Hello, would you be willing to share your overall financial experience during school? I’m an “adult” in undergrad looking for some guidance. I’m super lucky to have parents that are paying for everything, but I’d like to be independent as soon as possible. Any advice for transitioning to your own living space? How did you prepare for law school financially? How do I not feel like shit for living off my parents’ money? Thank you so much.

Personal Situation:

I was lucky to have my parents’ support and government support (loans and welfare) throughout university.

Australia’s great in that way. I didn’t have to pay my tuition fees upfront (HECS), bar a couple of hundred dollars for “amenities” every year.

I won’t lie, without HECS, I probably wouldn’t have been in a financial position to even go to university, let alone study law.

Money was tight - but in between odd tutoring jobs, a few gigs as a library research assistant, I got by. I was fortunate that my parents didn’t charge me board for living at home.

The biggest $$$ was for textbooks and petrol/ public transport. I ended up using textbooks in the library (photocopying like mad), or didn’t rely on a textbook at all (hellllllllo lexisnexis).

Now that I’m working, I have to start repaying my HECS debt (it’s incremental, salary based). Not going to lie, paying off the debt hurts now - but it’s the degree that got me the job so ngl worth every dollar.

Transitioning to your own living space/ preparing financially for law school

Going to handball this to @yournewapartment and @bitchesgetriches.

As above, I didn’t really “prepare” financially for law school. I intended to HECS my university debt and I wouldn’t have accepted a position if it wasn’t offered to me as a commonwealth supported place.

Basically it was government support or no uni for me.

By third or fourth year I could rig my classes so that I was only going in twice or three times a week. Most of my lectures were recorded so I just caught up at a later date.

On my days “out of uni” I would do work as above.

I’m not sure how it is in other countries, but a lot of clerkships (out of the top tier firms) or simple ‘work experience’ is voluntary in Australia. I’d say that’s something to consider if you’re going into law school - finding another job on the ‘side’ that has flexible hours.

How do I not feel like shit for living off my parents’ money?

Oh boy I still struggle with this one.

Communication. For me, my parents were willing to assist me financially, with however little they had because they believed that financial stress was detrimental to my “studies”.

It’s that “traditional mindset/ expectation” where it’s like “oh.... if you study hard now you’ll get a job and then you can be financially independent from then on. We can help you until that point because then you can help us afterwards.”

But that really affected me because... everytime I failed, or got rejected for a job I was terrified and anxious that I wouldn’t be able to become financially independent.

It tied my academic achievements to my self worth and to my sense of independence.

And then when my family hit a rough financial patch, I wasn’t in a position to help (in a meaningful I can earn 5 figures sense) because I had taken on a really long degree.

And whilst things are better now, as I’ve graduated and am working, I’m not going to lie - the guilt is still there.

But throughout university, it was an ongoing argument. To put it nicely, it was an ‘ongoing dialogue’. Where my parents thought that “getting into law = money” and I had to set realistic expectations for them - which at one stage included me telling them that hey, I might not be able to practice law.

What helps me get through it is that... every day, every day I move a step closer to financial independence.

And I can’t stop till I get there. A step forward, no matter how small, is a step forward.

I’d say be honest about your financial situation. Keep your parents in the loop. Financial independence isn’t something that happens overnight - so it’s in your best interests to work with them and tell them “hey, next month I’ll have to pay for XYZ so I might be a little tight here etc”. Let them know about your successes, your job hunt etc.

It’ll be uncomfortable.

It might be awkward.

The guilt may still linger.

But if you claw at it day by day and keep focussed on your long term goals, it’ll slowly be easier to manage.

That’s what I’m finding anyway.

#money #loans #college #uni #finances #fs: replies #Anonymous

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longsleeves-and-wetdreams · 6 years

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I had an interesting discussion today with one of my teachers who found out about some stuff that I've been dealing with recently, because as a teacher's duty of care they must make sure that they say the following "if you ever need help please feel free to go talk to a counsellor about it". She then asked me "why do so many people think that that's an option, like life's great" to which I responded "because it's not, you have a full time job, your married and you have a house. You went to university and were able to pay back your hecs debt. We live in a generation were having any sort of mental illness, is so regular that your better off asking them what their diagnosis is rather than asking them if they do."

Our society has become something that is so self destructive to its own existance that people would rather die than fight it out. It is something that, for me personally, has effected me so strongly, that when I go to school and get told that "you can't talk about that" "it's too sensitive a topic" "you might get too emotional" I get so infuriated.

Who decided that mental health/illness was too emotional to talk about? Because I would love to know why. Why must we hide what we are going through and be labeled as attention seeking, or weak, or even worse told to stop complaining "because others have it worse". I'm so sick to death of trying to convince the people I love to keep fighting.

She then proceeded to tell me that "I hope you never do anything selfish like that. You know there are people that care about you" I quickly smiled at her, and said "of course not." we both knew that was a lie.

#journal entry #mentalhealth #mental illness #a disscusion with a teacher #stigma #its going to be okay #stay positive #youre worth it #unfilteredfeelings

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delirious-daydreamer · 7 years

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I was tagged by @flowersandwings

COUNTRIES I’VE LIVED IN: Australia. That’s it.

FAVORITE FANDOM: I don’t usually get deep into the fandom side, but I suppose Young Justice. I’ve been really lucky not to get any hate or wars on my dash from that fandom. Must have followed the right people.

LANGUAGES YOU SPEAK: Just English.

FAVORITE FILM OF 2016: Fantastic Beasts, Zootopia and Moana. And BVS. I know it says ‘film’ as in one. But I don’t want to pick.

LAST ARTICLE YOU READ: Something for Uni at the end of last semester I guess.

SHUFFLE YOUR MUSIC LIBRARY AND PUT YOUR FIRST THREE SONGS HERE: Chandelier- Sia, Go the Distance - Hercules, The Bird and the Worm- The Used. So there’s that.

LAST THING YOU BOUGHT ONLINE: Pretty sure it was Belle in her winter outfit Pop Figure.

ANY PHOBIAS OR FEARS: Well, spiders, failure, rejection, flying/planes, infinite space, some kind of illness killing me from the inside out. I also have really bad anxiety, which you know, doesn’t help.

HOW WOULD YOUR FRIENDS DESCRIBE YOU? Um, imaginative? Maybe?

HOW WOULD YOUR ENEMIES DESCRIBE YOU? I’m not sure if I have enemies. I’m pretty easy to ignore.

WHO WOULD YOU TAKE A BULLET FOR? My best friend and my family <- I’m going to keep this answer because same.

IF YOU HAD MONEY TO SPARE WHAT WOULD YOU BUY FIRST? Does paying off my Hecs debt count? Because that, also travelling, despite the whole fear of flying thing.

RULES: TAG TEN PEOPLE YOU’D LIKE TO GET TO KNOW BETTER

@audikatia @jncera @eruriku and anyone else who would like to.

#delirious rambles.

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younganchorreview-blog · 6 years

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buy a car essay Buying a Car Essay Example for Free

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closertomini · 6 years

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22 JULY 2018

It’s been a pretty bland week. Business as usual for the most part.

I admit, I have been keeping to myself, and only the closest of friends this past week because I have felt a bit (well, a lot) off. This past week has been strange influx of emotions that I can’t exactly put a finger on it.

First off - I feel absolutely shitty because I feel I let things go a little too easily. What I mean by this is that I tend to try and let things slide and don’t speak up when I need to when I feel uncomfortable. This leads to all sorts of weird thoughts in my head and my emotions go haywire because I honestly don’t know what to do when i’m faced with an unexpected situation. Ever since my break up, I have been open to making new circle of friends - I thought that would be good for me to just keep moving forward, no matter how fucked up my situation is in the background. I just really needed a friend(s) to just help me forget how entirely messed up my emotions are and just hang out with me for laughs without anything more than that attached for as long as I needed it.

Secondly - Ever since me and my ex have decided it would be best to remain friends (after a very dramatic 2 months of anger and dramas) it has been good in a way where I can honestly stress so much less about all the politics that may have come along between raising our kids as separated parents.

But now I am also confused, because I honestly don’t know why he still has my name saved as Honey Bunny, his wallpaper is me/us, he occasionally has called me “babe”, and to top it off, there was one thing he randomly had said to me which has set my emotions into a wrecking ball once again because there’s so much history and memories between us after over 3 years.

“You know I miss having you next to me when I sleep”

You can imagine the emotional state I was in after reading that, and not knowing how to react to that at all -- for a good 5 minutes (literally), I stared at it like a deer in head lights (and a whole lot of subconscious “WTFs”) and then somehow managed to scoop up 3 words to reply with.

“I do now”.

For some reason It hurt me so much, because I couldn’t say it back like how I would usually, and I’m confused and still questioning why he’d say it to me now. (And yes I’m fucking crying because I just dug up a grave of emotions that I thought I buried 6 ft under).

Anyways - Thirdly, I’m fucking pissed off at the fact that I didn’t get much back from my Tax returns because most of it is going straight back to the government to pay off my HECs debt from my studies years ago. That’s just fucking shit. Now I know I’ll always get shit Tax returns for as long as I live because my study debt is nearly impossible to fucking pay off (I worked it out, it’s probably going to take about 22 years given that the interest rate doesn’t sky rocket LOL).

It couldn’t come at a more worse time. I’m looking to get a slightly larger car than the Swift that I drive now because it’s literally going to break down any minute, and I was hoping to get a little a head with finances with the Tax returns. It’s like the harder you work, the more the government takes from you.

Lastly - Ending this on a positive note. 18 weeks 3 days into my Pregnancy, I couldn’t have been more blessed with minimal nausea (at the start) and then nothing than just food aversions and random cravings from time to time. I go to my Morphology Scan this Friday morning, but won’t be finding out the Gender until the weekend after where I’ll be having a Gender Reveal Party with my closest friends. Honestly can’t wait for this - I’m dying to know!!!

Fingers crossed for a good week ahead.

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