[grabmyboner]

“there’s an ai tool for that” i will kill myself in front of you to change the trajectory of your life

[what-even-is-thiss]

The reason your snacks are unsatisfying is that you need both carb and protein.

Carb starts your engine, protein keeps it going.

No carb, engine don’t start. No protein, engine dies out fast.

[what-even-is-thiss]

Easy carb add on:

Cookie

Fruit (canned or fresh)

Chips

Piece of bread

Popcorn

Crackers

Easy protein add on:

Nuts

Spoonful of nut butter

Cheese

Roasted chickpea snacks

Glass of milk (dairy or non dairy)

Small canned sausages or similar

[what-even-is-thiss]

Sugar in there.

[what-even-is-thiss]

I am pleased by people messaging me telling me that after adding a carb or protein to their snacks or meals they feel more satisfied all day. Yes, my plan is working. People are getting through their days with less hangry.

[birdwarde]

snowy owl ❄️🌨️

[petewentzisblack1312]

you may like fall out boy but i like fall out boy in an infinitely more pretentious manner.

[dragongirlsnout]

Have you ever considered that Sisyphus might've just been in for the love of the game? My bus driver hits the same curb every morning

[dogpuppy]

[andreweatspussy111]

Is this guy bothering you? cuz I could bother you too but in a different better way

[bellseybells]

[bitchesgetriches]

Everything Is Becoming a Bank

Most major corporations — from airlines to social media platforms — now aspire to become unregulated banks. Bankification today accounts for

[apatosaurus]

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.

[mierac]

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.

[jenniferdub]

FYI this is what the logo looks like and Apple Cash is FDIC insured.

[idroolinmysleep]

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:

[heywriters]

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.

[julevanwilde]

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!

[insomniac-arrest]

I think we should figure out what age we’re living in now so we can say how it’s collapsing to each other

[insomniac-arrest]

Our age of plastics is collapsing

[insomniac-arrest]

Our age of information is collapsing! *remembers generative AI, nods to self* our age of information is collapsing.

[liache]

ok kids repeat after me

vinegar and bleach makes chlorine gas, which is highly toxic

ammonia and bleach makes chloramine, which is highly toxic

rubbing alcohol and bleach makes chloroform, which is highly toxic

hydrogen peroxide and vinegar makes peracetic/peroxyacetic acid, which can be highly corrosive

be careful about your cleaning products and dont get yourself injured or potentially killed ok

[gutsygills]

why it so dangerous to be clean

[catholic-aviator-deactivated201]

As someone who’s job is to handle chemicals like this, I need to state that this information is IMPORTANT. Plenty of people have accidentally injured or killed themselves at home because they didn’t know what kind of reaction certain substances have with one another. Play it safe and don’t mix chemicals.

[thegoodfoothousehold]

Also don’t use bleach to clean up urine it’ll create chloramine bc of the ammonia in it and you can give yourself chemical pnemonia that way

[theraphos]

Every time I see “helpful” posts telling people to mix these things while cleaning I cringe with my entire body.

[cumaeansibyl]

reblogging in this time of heightened interest in disinfectants. please don’t get fancy

[aeliad]

Pick one. Stick with that one. 

[desolendate]

im literally in tears what the fuck

[birdsareblooming]

pandora’s box but it’s a gamecube

[birdsareblooming]

girl no

[sonicbible]

She opens up the disc drive and all the horrors of the world are released but there is also a copy of Sonic Adventure 2 Battle

[talontarget]

jkr is literally posting upskirt photos to her social media. when will it finally get through to harry potter fans that their support makes her feel confident and correct enough to do things like this

[microraptorhours]

i love you archival work. i love you alphabetizing. i love you sorting. i love you reshelving. i love you document restoration. i love you shelf reading. i love you inventorying. i love you analysis. i love you archival work.

[anywhoozles]

[theaterard]