🩵 avery cochrane 🩵
untitled
Love Begins
cherry valley forever
@theartofmadeline
2025 on Tumblr: Trends That Defined the Year
YOU ARE THE REASON
d e v o n
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let's talk about Bridgerton tea, my ask is open
Noah Kahan
🪼
we're not kids anymore.
bliss lane
Claire Keane
Show & Tell
will byers stan first human second
★
Lint Roller? I Barely Know Her
Mike Driver
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@alyseb630
「 take a chance | maomao 」
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I’m so very excited for this anime! October can’t get here fast enough.
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Audio: What You Waiting For? by Gwen Stefani
Ac: hereticsaudios
Ib: Habeshan creatives
Dt: @cremecatty
Visual: Kusuriya no Hitorigoto
Made with CapCut
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Most major corporations — from airlines to social media platforms — now aspire to become unregulated banks. Bankification today accounts for
This is a long read, but worth it. Some takeaways:
-Don’t use “buy now pay later.” The fine print isn’t what it seems.
-The fine print on medical financing, store credit cards, and contactless payment is also not what it seems.
-Payday loans are still predatory, even when offered by your employer
-Rewards programs are an income stream for the companies that run them. The points systems are manipulated so that the house always wins. They depend on people leaving money in rewards accounts and not in interest-bearing traditional bank accounts.
-Electronic payment apps like VenMo are not banks. You don’t earn interest. Your money is not protected.
-Your financial information is not private if your money is not kept in a regulated bank.
-None of this is regulated by the FDIC. Your money is not protected if it is held by a non-bank doing banking business. Our economy is not protected from the collapse of financial institutions that are not banks.
-The Biden administration was making progress in increasing accountability for non-banks operating as predatory financial services providers. The current administration is reversing those protections to favor corporations.
Oh boy.
A third of younger Americans hold their savings on nonbank tech platforms like Venmo
PEOPLE! DO NOT LEAVE YOUR MONEY IN VENMO OR APPLE PAY OR ANY OF THIS SHIT. FOR THE LOVE OF GOD GO FIND A REAL BANK OR A CREDIT UNION.
If Venmo were to close tomorrow all your money would vanish. There's no insurance or guarantee on any of these things. I know banks aren't great but legit banks will have the "FDIC insured" logo on their doors and websites, which means if my bank goes under tomorrow I still get my money back. Also I guarantee you there is a credit union somewhere in your town, go find it.
You can leave some money in Venmo or Apple pay or whatever, but NOT ALL OF IT for the love of God.
FYI this is what the logo looks like and Apple Cash is FDIC insured.
No, it's misleading. Go to Green Dot's T&Cs, search for "FDIC," and you'll come across this:
your funds are insured up to $250,000 by the FDIC in the event Green Dot Bank fails
In the event Green Dot Bank fails. Meaning the only time your money is protected is if Green Dot goes under. Not if Apple goes under (unlikely, granted). Or if Apple changes its terms (entirely possible). Or if you got scammed. Or if Apple freezes your account because they think you're the one scamming. Or any of the other countless mishaps your money could suffer. Green Dot is insured, but Apple Cash is not.
This is the disclaimer (highlighted) you see before you set up Apple Cash:
I really need my followers, especially younger ones, to read this.
And DO NOT get store credit cards, they are money sucks and difficult to cancel.
As someone who's worked in the industry for a decade now, here's a quick rundown (US specific,) of what your schools and parents didn't teach you:
For the love of god get an account at a federally insured institution. Look for FDIC (banks) or NCUA (credit unions) insured and regulated financial institution. They are legally required to have this status publicly available and accessible so it's not hard to find.
The FDIC and/or NCUA will insure your accounts up to $250,000 PER AUTHORIZED SIGNER and per account type. These are factors to max your coverage to even higher than $250k but the key point is that if something happens to your bank or accounts there, that first $250k of your money is secured anyway.
Banks are for profit. Credit Unions are exactly what it sounds like: unions. They are not for profit and member owned.
Bigger institutions have more money and resources at their disposal; they have the fancier apps, 24/7 phone banking and more locations. But watch out! They are no different than any other large corporation you've heard of when it comes to ethics. Smaller institutions have more limitations, and lesser size is not an indicator of morality, but it's something to consider when choosing where to keep your money.
These institutions, regardless of what kind you choose, will offer interest bearing accounts. Money Market Savings and Time Accounts (also called Certificates of Deposit,) are popular choices to put the money you already have to work for you. You can earn money just for having your money in an interest bearing account type.
All financial institutions charge fees of one sort or another. They are offering products and services, after all. Nothing is free! They will also disclose options to avoid paying those fees, usually based around meeting specific criteria such as minimum balances or direct deposits.
Take this information and do your own research so that you can make an informed decision. Now you know what to look for! Don't be taken advantage of!
I miss when ads were a single click and then they’re gone. Now every ad has a minimum of three phases where you watch a video, exit the still frame of fake gameplay, and then exit the app download. That doesn’t even touch on the ones that forcibly take you to another app after opening a tab in safari without you ever touching the screen.
I hate advertising. I hate that you can’t do anything without companies jumping down your throat with mostly bullshit ads. I hate that billboards exist. I hate that every company unanimously decided to make their ads longer and longer. I hate that ad blockers try to charge you money and there are in app purchases to remove ads. I hate that my attention has become commodified. I hate that there’s nothing I can do about it.
Wdym you hate Stratt? Without her you don’t get a story
Omg I love this piece. Grace the hanging man, content with his life but cannot avoid the changes coming; the ship his noose, the rope that binds him to his fate; the blood red stars beside him, Olesya and Yáo the angels haunting him in the background. Eva Stratt, the one who holds it all on her back, the world is literally on her shoulders, the Petrova line on her neck. She will not falter, cannot afford to move, and yet still she glares at us. Eva challenges us, daring us to ask if we could do better, if we could hold her burden for even a fraction of the time.
Eve, the mother of sin, who held the world in her hands and was cursed for not knowing.
Eva, director of the task force, who now holds the world, and still must curse man to save it.
In the end, it always falls on a woman. I could never hate you Eva Stratt
Ryland Grace, seconds before losing consciousness: did--did you just reference Parks and Rec
A Killing Eve meme. It makes me think of the last episode.
a leap of faith !
They make me physically ill
🌵+🐱
source
weary and wary are not the same word and have very different meanings and if i see one more person use wearily when they mean warily I’m gonna combust
weary: tired, worn-out, beaten down, exhausted, in need of rest. they were weary after their long journey. wearily, she sat down on the couch and kicked off her shoes. he had grown weary of this conversation.
wary: guarded, cautious, on-edge, careful. they were wary of the approaching stranger. warily, she poked at the dark shape in the corner of her room. he paused, wary, but nodded anyway.
thank you for this reply you get the funny crown today with bonus points for accuracy
Harald Oskar Sohlberg (Norwegian, 1869 - 1935) The Mermaid 1896
Some old sketches with 🌸💕✨
(Does a big shounen anime style powerup sequence with screaming and flexing and when the dust settles I am comfortably snug in bed surrounded by beloved plushies)
S-such power! She’s already asleep?!
never forget the universal rule of the order of things: People Will Not Read It
signs at stores? émail? menu ?? instruction ? post online ? caption with andswer to question ? group hand outs ??? street sign ??? no. The Written Word Is The Enemy
#The number of compliments i have gotten for reading a thing
The ability to occasionally Read A Thing will make you a hero in your workplace, especially if it is for example an error message that tells you what you need to do differently, or instructions on unjamming a printer.
how dare you say we put jam in the printer
Ok reblogging this again because story time.
I work in tech, and much of what I do is support sales reps within the company by resolving errors with the software they use.
There is one sales rep who, every single time I send her a message or email with extremely specific instructions that will resolve her issue, does something completely different from what I tell her. Every time. Without fail. It is so glaringly obvious that she has never read even a single word that I have written to her.
So one day, she sends me a message that says little more than "(software) is broken, help"
So I do my standard song and dance of asking her what she's trying to accomplish, and what specifically is stopping her from doing that. And eventually, after much unnecessary back and forth, she tells me there's an error message. I ask her to send me a screenshot of the error message. She does.
The error message basically says, "these two required fields are blank. To resolve this, please fill in these two specific fields, and then click save."
So I take a few deep breaths.
Then I lie to her.
I message her back, saying "hey yeah, for some reason it's not loading that screenshot on my end. Could you type out the full text of the error message for me?"
She does.
I ask her if she still needs help.
She does not respond.
I have similar story from tech support.
Client is reporting that Some Thing Program doesn't work. I ask if there's an error message with further information about what's not working. Client says "no". I go over and ask Client to open Some Thing. Client double-clicks on the icon for Some Thing, it starts to boot, an error message dialog flashes up on screen, Client closes error message before I can read it, Thing closes after the error.
"What did that error message say?" I ask.
"What error message?" asks Client.
I tell Client to open the Some Thing again and then not click anything else. Client opens Some Thing, error message appears, Client clicks it away again.
I tell Client to stand up, step away, and give me physical control of the computer. I open Some Thing, start looking at the error message without closing it, and Client says "You should close that." I tell Client that I am reading the error message. Client is apparently accustomed to treating error messages as a kind of spam email that should be deleted as fast as possible, and gets agitated that I'm reading it.
I read the error message. It tells me what the problem is. I fix the problem. Some Thing works now.
---
Later, I start thinking about how such an error message might perhaps be engineered to be more attention-grabbing and close-resistant as a way of making people read it. It's not important for some random program here, but there are more important systems (medical, etc) where it would be reasonable to demand the user's attention because people's lives depend on paying attention to the error message.
But then people with a perverted intellect would still be thinking about ways to avoid reading the message, like dragging it off edge of screen or hiding it behind another window. So maybe the dialog box could have an always-in-front feature to override other windows, and the alert could use the computer's hardware "beep" functionality that can't be switched off by muting the regular sound system, and keep beeping... shit, I realize I'm reinventing pain, and get philosophical about it.
Story from The Past about My Mum:
She was a computer programmer / analyst, a... Long Time Ago. Called in for a system she'd installed before, the office folk said they kept having problems where it Didn't Work Right (no error, a malfunction)
She investigated, and told them that could only happen if they did 3 specific things in a specific order, which they should not ever do.
So, she asked, did they ever do that?
No! Of course not, was the answer.
So she made a couple of small changes, packed up and said that should be fine, but they should call her if there were problems.
The next week
She had a call saying "We're getting a strange error message on the system, can you help?"
She said, of course, can they tell her the error?
And the message was:
"You Said You Didn't Do This"
a mood™
