❝I always lied to you and asked you to forgive me. Deliberately keeping you at a distance by my own hand. All because I didn’t want you to get caught up in any of this. But now, I believe that perhaps you could have changed father, mother and the rest of the Uchiha.❞ ✧ NARUTOSHIPPUDEN Episodes 138 & 339
Soy feminization theory is so funny to me because it’s basically like “girls are using chemicals to turn boys into girls” which sounds like a fucking codename: kids next door episode
….Its actually literally a codename kids next door episode-
I mean they use rifle gun things but Its stillliterally is one.
Specifically the season 3 episode ‘F.U.T.U.R.E’
Oh thank God I didn’t accidentally describe a homestuck thing for once
That’s one tiny part of the problem, but it’s not the issue. That’s not why the government refuses to consider canceling student loan debt. It’s actually a lot worse than anyone imagines.
The reason the government refuses to even entertain student loan forgiveness is because of something called SLABS. What are SLABS, you ask? Good question. Because the world of finance really does not want you to know this! SLABS are Student Loan Asset Backed Securities. Sounds like a bunch of confusing terms that regular people can’t understand, right? It’s supposed to.
A lot of you were too young to remember what happened in 2008, and what exactly the crisis was that brought the entire economy to its knees. 1 million people lost their homes. It’s because the mortgage industry was taking the mortgages (loans) that individuals opened, split them into tiny little pieces, bundled them together with other tiny little pieces of other people’s loans, and sold them off. A huge industry was created that not only bought little pieces of people’s mortgages, but also made bets on whether or not those underlying securities (pieces of mortgage loans) would fail or succeed. It didn’t take long before the bets on the loans outsized the actual loans themselves - sometimes by a magnitude of thousands.
I know this is complicated, but hang in there. Here’s Selena Gomez in “The Big Short” to explain that betting a little better: 
Okay, so you’ve got lots of people betting on mortgages. See what happens next, is that the banks run out of qualified people for mortgages. There’s only so many people who had jobs that paid them enough and credit scores high enough to be deemed worthy. But they want to keep their cash cow going! What to do?
Of course, the way this problem was solved, was to hand out mortgages to everyone like free T-shirts. No job? No credit? No way to pay that mortgage we just gave you? No problem. They were making more money on the bets than on the underlying loans. They didn’t give a shit if you defaulted. They were making money on you whether you paid or not. And they didn’t care if you destroyed your life and your credit and your family because the financial industry was raking in massive piles of cash by selling and betting on people’s home loans. Eventually the house of cards came tumbling down, there was a massive foreclosure crisis, the industry was found to be operating completely fraudulently, and a million people lost their houses. Large financial institutions received a bail-out that we the taxpayers paid for. The individual families who got exploited and fucked? Got nothing.
So what does this have to do with student loans? Excellent question. The same thing that happened with mortgage loans being split into tiny pieces, bundled, and sold off has also happened with student loans. These bundles are called SLABS. Student loan asset-backed security. But wait! “Asset-backed”?? What asset? The asset is ostensibly…your degree.
This is now a potentially bigger problem than even the housing crisis in 2008: because back in ‘08, if you defaulted (stopped paying) on your mortgage loan, there was a physical asset to seize: your house. You can’t seize somebody’s English degree if they stop paying. This is why it’s nearly impossible to discharge any student loan debt, ever: because the industry making money off of student loans is making outsized bets that are larger than the underlying assets. Just like in 2008. If student loans were forgiven across the board, the ripple effect would capsize the domestic economy. Your $20,000 in student loans? Could represent $2 million in bets made on that loan.
This has already become an enormous hot potato between financial institutions as student loan repayment was paused during the pandemic. Suddenly there’s no payoff for these bets institutions are making on your student loans. There’s also no collateral they can repossess. What they thought was a profitable bet to exploit students and keep people in wage slavery forever, is shakier and shakier. When it finally bursts and goes tits-up, you can bet that the people who bought tiny pieces of your loans and then gambled it away will be the ones receiving a (tax-payer funded) bail-out. Not the students. And it’s already starting to go tits-up.
I don’t put my mental disorders in my bio since as I writer I believe in the principle of SHOW don’t TELL. And boy do I go on this site every day and show.
Us tumblrinas are getting older soon we’re gonna see posts like “bananas were 30 cents a pound at the market today!” and everyone’s gonna be like WOW! Such a steal!
My stomach hurts because I can’t stop laughing at a Reddit thread where someone asked for help identifying their “not dead” plant that could not more clearly be dead if it were found in a pharaoh’s tomb
The increasing amount of plastic being added to our environments has created intense selection pressure for microbes that can break down plastic for energy.
Looking at environmental DNA samples, researchers have found 30,000 different enzymes capable of digesting different types of plastic. Almost 60% did not fit into any known enzyme types.
While previous plastic-eating microbes had primarily been found in garbage dumps or recycling plants (locations with very high levels of plastic), the enzymes in this study were collected from soil and ocean water throughout the world, meaning this phenomenon is even more widespread than we thought.
Thanks to the anonymous individual who sent this in!
I see a lot of people commenting along the lines of “I thought they meant bugs as in insects and I imagined beetles eating plastic, this is kinda disappointing”.
Don’t worry–there are insects that eat plastic too!
Superworms and Mealworms (darkling beetle larvae):
Waxworms (wax moth caterpillars):
There are quite possibly more out there that we don’t even know about–it’s likely we only noticed that the insects above could eat plastic because they are all commonly cultured by humans.
To be fair 99% of our evolutionary stress response was meant to deal with far more immediately conclusive scenarios than the tedious bullshit we put up with these days.
very very slow tigers are chasing me
not to leave a serious comment on a silly post but one of the best pieces of advice I ever got about stress was to SLEEP but secondly, when overwhelmed, lay in a bed and intentionally hold all your muscles clenched. clench EVERYTHING. hold it for a few seconds, then let go. It tricks your animal fight-or-flight monkey brain into thinking it had, and won, a fight, and some of the stress response will leave you
#turn a slow tiger into a fast tiger with this fucked up trick
