Dream: Interstate 88

pocketsandbows:

urbieknowsbest:

theheartofadreamer:

A red color called “Swaggu”.

A honey color with gold flecks called “Queen Bee”.

A blue with green and blue shimmer called “Blue Ivy”.

A gold Grammy color called “16”.

A golden brown/nude color called “Beyonce Blonde”.

A…

She should’ve had an OPI line before Nicki Minaj AND the KarTRASHians a long time ago TBH. 

anticapitalist:

On July 1 the interest rate on federally subsidized Stafford Loans will double from 3.4 percent to 6.8 percent if Congress doesn’t act. Though this rate hike will have devastating consequences on more than 7 million students nationwide who currently hold a Stafford Loan, change will hit students of color especially hard.

The facts below show how students of color depend on financial aid to finance their college education and how they are uniquely impacted by student debt.

1. Students are having trouble paying back their college loans. Studies show that only 37 percent of students are able to repay their loans on time. Students of color are more likely to depend on financial aid to attend college and have higher trends of student debt.

2. For the first time, student loan debt has surpassed credit card debt in the United States. Student college loan debt is now higher than all credit card debtin the country put together. Nationwide, student debt is at $867 billion compared to credit card debt at $704 billion.

3. People of color, particularly African Americans, are graduating with more student debt. African American students in particular are graduating withmuch more debt than white students. A 2010 study by the College Board Advocacy & Policy Center found that student loan debt levels of $30,500 or higher were more common among 27 percent of black bachelor’s degree recipients compared to 16 percent of their white counterparts.

4. Youth unemployment (ages 16 to 24) is higher for people of color, making student debt a significant financial burden. Youth unemployment is highest among youth of color, with rates for African American youth at 30 percent and Latino youth at 20 percent, compared to the white youth unemployment rate of 16 percent.

5. Students of color rely on other forms of financial aid, such as Pell Grants, which are also facing significant cuts. Students who will lose eligibility or be cut from the Pell Grant program—a means of access to higher education and social opportunity for low-income families—will likely turn to loans to make up the difference.At a majority of historically black colleges and universities in particular, two-thirds or more of all enrolled students receive Pell Grants, with more than 90 percent of students receiving these grants at eight such institutions of higher learning.

6. While educational attainment increases among Latinos, the achievement gap continues. From 2001 to 2011 the number of Latinos with a bachelor’s degree or higher education increased 80 percent from 2.1 million to 3.8 million. But there’s still an achievement gap: By 2012 only 14 percent of all U.S. Latinos over the age of 25 had bachelor’s degrees, compared to 34 percent of whites. A 2009 Pew Hispanic Center survey found the most common reason for the gap was pressure to support their families financially, forcing them to choose between college and their families. This means that low-interest-rate loans are that much more important to Latino youth in completing their college careers. 

7. More students of color are taking out private loans, exposing them to more financial risk. There was an approximate 16 percent increase and 12 percentincrease among black and Hispanic students, respectively, that took out private loans, from the 2003­–04 to 2007­–08 school years. While federal loans have lower interest rates than private loans, doubling the rate will bring the two closer together, making students of color more vulnerable to defaulting on their loans.

8. Students of color are more likely to enroll in for-profit schools, which currently account for nearly half of student loan defaults. For-profit colleges and universities tend to have higher tuition, increased dropout rates, and insurmountable debt for students. This puts economic and academic barriers on students of color, making it more difficult for them to graduate.

9. Students of color with higher student debt are left with fewer options.Deferments and forbearances often provide short-term debt relief, but the interest on the loans may accrue and capitalize during the forbearance or deferment period, making the loans more expensive in the long term.

10. Student debt hinders students of color from homeownership. Past-due payments hinder borrowers due to lower credit scores and having their wages used for loan repayment.According to the Federal Reserve, fewer young people are getting mortgages—just 9 percent of 29-to-34-year-olds got a first-time mortgage from 2009 to 2011, compared to 17 percent in 2001.

Allowing Stafford Loan interest rates to double would make the cost of college skyrocket—the cost of college for those relying on Stafford Loans would increase by 20 percent. Given that students of color are more likely to rely on financial aid to finance their college education and graduate with higher student debt, increasing these interest rates would disproportionately impact them. We need to focus on making college more affordable, particularly at a time when students need a good education to be competitive in the international economy.

makeuptips-:

Section one makeup. Don’t have the cash to dish out on hundreds of different products? Learn about products and their multiple uses. These will generally depend on the shades of makeup themselves.

Lipstick:

• On the cheeks as a cream blush.
• A neutral tone on the eyelids for a sheer wash of colour.
• A dark beige/brown tone as  a contour underneath the cheekbones, under the chin, down the sides of the nose.
• An orange tone with concealer to neutralize darkness.

Clear Ointment/balm (think lanolips/paw paw ointment):

• On the highest points of the face as a highlight.
• Mixed with blush for a fresh runway cream cheek colour.
• As a clear gloss.
• On the eyelashes when out of mascara. (Ensure you use petroleum free)
• On the brows to keep them in place.
• Mixed with lip liner for a cheek colour.
• Mixed with lipstick for a tinted lip balm.
• On the eyelids for a fresh natural looking runway finish.

Mascara:

• On the lash line as an eyeliner when used with a eyeliner brush.
• On the brows as a tinted brow gel. (brown should work for most people, but only use black if you have extremely dark brows)

Brow Pencil:

• As an eyeliner.

Eyeshadow:

• A matte neutral shade as a brow fill in.
• As an eyeliner.
• As a lip or cheek colour.
• A medium/dark brown matte or shimmer shade as a bronzer.
• A light shimmery shade as a highlighter.
• A dark matte neutral shade as a contour.

Bronzer:

• As an eyeshadow on the lids.
• As an eyeliner.
• As a lip colour when mixed with clear gloss/balm.
• As a contour.

Clear Mascara:

• On the brows to keep them in place.
• Around the lip line to prevent lipstick from bleeding/feathering.

Lip Liner:

• Before Lipstick to prevent feathering/bleeding.
• Mixed with a small amount of clear balm for a cheek colour.
• A dark brown or bold vivid colour as an eyeliner.

Blush:

• As a lip colour when mixed with a clear balm/gloss.
• For a very subtle hint of colour on the eyelids.
• A dark neutral shade as a contour.

Eyeliner:

• As an eyeshadow when used over the entire eye lid.
• As a brow fill in.
• As an eyeshadow base for other colours.

Foundation:

• On the eyelids with a dusting of translucent powder as an eyelid primer.
• On the lips extremely lightly to neutralize them before applying lip colour.
• As a tinted moisturiser when mixed with moisturiser.
• As a long lasting sheer foundation when mixed with primer.
• A dark shade as a contour.

Primer:

• A light hydrating formula on the lips as a lip primer.
• A matte finish primer as an eyelid primer when set with powder.
• Use a clear silicon based primer too fix dried up gel liner.

Concealer:

• As an eraser to correct any lipstick mistakes.
• A dark shade as a contour.

(Source: makeuptips-)