Thoughts of a Crazy Percheron @crazypercheron - Tumblr Blog

FIFA AU! ⚽️✨

The Bad Boys of the England Football Team, all with their own talents and strengths! 💪

Grian is known for his bicycle kicks, Joel is known for his hat-tricks and corner kicks, and lastly Jimmy is known for making the most assists in games! 💫

theshitpostcalligrapher

req'd by @wendibird

okay this is crazy to get done in May, but I'm all for it

text: The Goat has fallen!

vannpiresposts

FIFA AU Sketches⚽️✍️

vannpiresposts

First Meetings...(Part 1)🦋

Part of friends and I's FIFA AU!⚽️✨

jamtamart

sometimes theres a shadow in the forest, darker than the rest, resembling a horse. and sometimes you'll find a man mumbling towards it

[ image text: im not very good at taking care of you guys, huh? ]

after climb10's ghost brought cleo from exile i liked the idea of bdubs horses, especially those that were exceptionally important/doted on, existing on in some sorta ghostly form . lulu actually was possessing that pig keralis gave him, mi amore stayed wandering around the horse head rock/church watching over the other horses, etc. climb 1 (shown here) follows behind every new climb, pitch black in shadow except for her mane, which flows like water and glistens ever so slightly when the sunlight hits it just right

weirdplutoprince

Attacking a stranger on artfight: I had a blast drawing your character. Your designs are super charming and fun. Have a good artfight! ☺️

Attacking your friends on artfight: I GET YOU I GET GIU I GET YOU AND THEN I KILL YOU 🔥🔥🔥🔥 KILL YOU 🌋🌋 YOU WILL NEVER WIN AGAINST ME. my fr iend 🫂

torchwood-99

"I love you but you're doing wrong in a way I cannot condone" and "I hate you but you're being wronged in a way I cannot stomach" are top tier and I need more of them.

bitchesgetriches

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!

teethmeats

90% of making art is being in agony over your creations not being on par with the vision you had for it but that other 10% is soooooo blissful and worth it ngl *:ﾟ*｡⋆ฺ(*´◡`)

hes-the-stallion

emoji kitchen is lowkey beautiful guys…

dragon-in-a-fez

am I doing this right

totally-cis-offical

Important tags

redlipstickresurrected

Stephen Hannock (American, b. 1951, Albany, NY, USA) - Incendiary Nocturne: Golden Launch at Dawn, 2000, Paintings: Polished Oil on Canvas

bgm05

the reason usa birth rates going down is because we have a whole generation of women whose sexual awakening was Sans undertale and none of the men want to wear jorts and drink ketchup and go Er er er