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Overdrafts are a loan that is available to most people with bank accounts. Overdrafts are an additional loan limit on your bank account which allows you to spend more money than is in your current account. An overdraft is a loan and does have to be paid back.

The overdraft is available in various amounts depending on your income. The only requirement is that you have a stable job with a stable income for most overdrafts. The bank loan you the agreed amount which is accessible via your current account. To change or add an overdraft to your account, simply contact your local bank.

There are many benefits to an overdraft loan. It offers a short term loan to borrowers that provide them with a small amount of additional money until they receive their wage. The repayment is deducted as soon as money is put into the bank which leaves no outstanding loans to repay. The loan can also be extended immediately when required. This helps meet the needs of the borrower.

The downside to overdraft loans is that when money enters your account, it is immediately taken to cover the overdraft loan repayment. This means that you have no control over when and how the loan is repaid and can leave you unexpectedly short of money. When the overdraft limit is exceeded, charges are placed on the account. This happens every time you try to spend money on your account that is not available. This can add up to a large sum of money.

Your overdraft loan can be accessed via an ATM machine. You simply put in your card to withdraw the required amount of your overdraft. You can also use your overdraft by spending on your debit card in a shop.

Robbie's Red Balloon, with a Nod to Seattle

Here it is December and I have all these loose ends, tattoos I photographed in the summer and, for some reason or other, never wrote about.

One such example belongs to Robbie, who is originally from Seattle. I stopped to talk to him at the corner of 34th Street and 7th Avenue, and he was kind enough to share this tattoo on his upper right arm:

Robbie explained that the red balloon is a family reminder about his grandmother, and that in addition to his own tattoo, his mother, brother, cousin and aunt all have tattoos that contain a red balloon, as a nod to the family matriarch.

The skyline depicted is punctuated by the Space Needle, Seattle's most recognizable landmark. Robbie is from Washington State, and the addition of this famous structure to a metropolitan cluster of buildings, which includes a scaled-down replica of the Empire State Building to its right, is a nod to his home town, while also recognizing New York City, his current home.


Robbie credited the tattoo to Liz at Addiction NYC, although he noted she tattoos somewhere out on Long Island now.

Thanks to Robbie for sharing his tattoo with us here on Tattoosday!

Mrs. Dirtbird's Wedding Tattoo

Yesterday we enjoyed seeing the neck tattoo of a Missouri-based artist nicknamed "Dirtbird," as well as a piece he had inked on his friend Shawn.

In addition to meeting both Shawn and Dirtbird across the street from where I work, I also met Katie, who half-jokingly referred to herself as "Mrs. Dirtbird". She shared this tattoo with us:

Katie explained that this is a wedding tattoo. The piece depicts a heart, comprised of a male and female bird, sewn together. Since she married Dirtbird, this seems like and appropriate expression of their matrimony.

The tattoo was inked by Becky "Pink Eye" Ashcraft, who works with Dirtbird at Punkteur Tattoo in Joplin, Missouri.

Thanks to Katie for sharing her cool tattoo with us here on Tattoosday!