lvl o dis @dissic - Tumblr Blog

The company previously hadn't disclosed whether it would recoup tariff costs after the Supreme Court ruled many of President Donald Trump's

Something insane about businesses getting tariff refunds for costs that were wholly passed to customers.

Now Bezos dangles potential refunds ‘if they are able to trace specific import charges to an individual order’. You’re just being robbed.

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!

saywhat-politics

Elon Musk’s company xAI is suing Minnesota over the state’s first-in-the-nation law that bans “nudification” technology on websites and apps

Elon Musk’s company xAI has sued Minnesota over the state’s first-in-the-nation law that bans “nudification” technology on websites and apps, potentially providing a test for how far states can go in constitutionally regulating the use of artificial intelligence.

Musk’s company sued Monday in federal court, days before the law is set to take effect Saturday and make Minnesota the first state to try to outlaw the increasingly proliferating technology that lets people use AI to to create fake nude images of real people. The law was signed in May.

In the 38-page lawsuit, xAI — whose AI model chatbot and image generator Grok is available on the social media platform known as X, formerly Twitter, and elsewhere — said it does not contest the state’s interest in banning the distribution of AI-generated nude images of real people without their consent. But it said Minnesota’s law “extends far beyond that goal,” banning many constitutionally protected images and video and subjecting the company to a penalty of $500,000 per violation.

The lawsuit argues there is no “safe harbor” provision for companies that make good-faith efforts to prevent such images from being created by users, and that it covers images that were consented to by the depicted person, or even created by that person.

It also says the law’s definition of “intimate part” is overly broad, covering body parts that are routinely displayed in public.

In a statement, Minnesota Attorney General Keith Ellison said his office had not been served with the lawsuit yet or seen it.

“But I know that using AI to generate nude images of people against their will is appalling. There are plenty of worthy debates to have about AI policy. This is not one of them. AI nudification robs the target of their dignity and can cause immense harm on an emotional, personal, and professional level,” Ellison said.

State laws over election deepfakes have had mixed results in courts. California’s law was blocked over First Amendment speech protections. Minnesota’s law has thus far survived a 2025 court challenge by Musk’s company.

depsidase

raygun631

Presidents never did that before, but the Supreme Court says corporations are people.

Now lets tax them like people!

fuckthisshit-ugh

please read this even if you're not indian. especially if you're not indian.

you've seen the jokes. india is "dirty", indians are "everywhere", why don't they fix their own country. ok. let me tell you why, and what's happening right now while nobody's watching.

first, the history you skipped: britain ruled india for two centuries and drained it. economist utsa patnaik's research estimates around $45 trillion in today's money was taken. the india that got independence in 1947 was one of the poorest countries on earth. every "why is india like this" question starts there. you don't get to profit off a robbery and then mock the crime scene.

now, what's happening RIGHT NOW:

in may the question paper for NEET leaked. that's the national medical entrance exam. over 2.2 million students took it. cancelled. years of studying, families' savings poured into coaching, gone overnight because someone sold the paper. students died by suicide after. these were kids who wanted to be doctors.

and out of that came a protest movement. a gen z group called the cockroach janta party, started by a 30 year old named abhijeet dipke, got 22 million instagram followers within DAYS. they've been doing a sit-in at jantar mantar in delhi demanding education minister dharmendra pradhan resign.

and then there's sonam wangchuk. if you've watched 3 idiots, he's the real engineer the character was based on. built solar schools in ladakh. invented ice stupas so himalayan villages have water. spent his whole life on education. he's 59 and he's been on hunger strike for 17+ days now. reporters went to see him this week and he was too weak to talk. and the troll armies are calling him "anti national" and "foreign funded". a man starving himself for other people's children. that's the thing here, anyone who asks a question is suddenly a traitor.

it's not one incident, it's everywhere you look:

• infrastructure worth thousands of crores failing within months of the ribbon cutting. tunnels collapsing in regions where heavy rain is a guarantee, not a surprise.

• youth unemployment near 10% for ages 15 to 29, 13.6% in cities. in a country of 1.42 billion where more than half the population is young.

• only about the top 3% of indians earn above 10 lakh a year. meanwhile billionaire wealth keeps ballooning and the headlines celebrate it.

• manipur burned for over two years. an ethnic conflict, tens of thousands displaced, and the prime minister barely said the word manipur while it happened.

• journalists raided. critics' houses bulldozed. activists sitting in jail for years without trial under laws like UAPA. our press freedom ranking has cratered.

• even the petrol is a fight now, ethanol blending pushed through while drivers complain about their engines and get no straight answers.

and through all of it, the PM, who came to power on religious polarisation (americans, sound familiar?), travels abroad for photo ops and has not held one single open press conference in over a decade. not one.

what i'm asking:

if you're not indian: share this. our media mostly won't cover any of it because the big outlets are owned by the same billionaires the government serves. the only reason wangchuk's fast is getting any coverage is people refusing to look away.

if you ARE indian: speak up even if you're comfortable. especially if you're comfortable. join the protests. add to this, correct me, translate it. staying quiet is a choice when nothing in this post touches your life.

india is not "dirty". india was robbed, and it's being robbed again, from the inside this time. but it's also the country where a 59 year old will starve for strangers' kids and 22 million young people will rally behind a party literally named after cockroaches, because cockroaches survive everything.

we can still save her. but only loudly.

reblog. share. don't scroll past.

vorsoisson

They call themselves the "cockroaches" and they're on the march — demanding action against corruption, amid a shortage of opportunities for

thesociologicalcinema

bitegore

[id: several tweets by Dave McKenna @ djmckenna00

"Something I've learned while in law school is about the social construction of crime. I work in a legal clinic on wage theft cases, where employers have "improperly paid" workers by not paying, paying below min wage, withholding overtime, paid sick time, etc.

Most theft is wage theft. Meaning, the dollar value of stolen wages is greater than the value, each year, of all burglaries + robberies, shoplifting, auto theft, combined. Yet, wage theft is not a crime."

Below this tweet is an image comparing the cost of robbery, auto theft, burglary, larceny and wage theft in billions. Robbery only hits 0.34 billion, auto theft 3.8 billion, burglary 4.1 billion, larceny 5.3 billion, and wage theft accounts for greater than 19 billion dollars. The data is sourced from the FBI and EPF.

"If you steal $100 from your employer, you will get arrested. If you call the police because your paycheck is $100 light, the police will tell you to file a complaint with the AG, and the AG will settle the case for between $50 and $200.

(That's actually not true, because AG's only take on big cases where thousands of dollars are at stake, but they will settle big cases by typically requiring the employer to properly pay what is owed. No jail, no criminal record.)

If the AG doesn't want to take the case, it will give you a Private Right of Action to sue the employer in civil court for what you are owed, plus damages. It can take a 6 to 18 months to win at trial, and months or years to collect on the judgement if you win.

This is what we mean when we say crime is socially constructed. Not all social harms are criminalized. Not all actors committing social harm are criminalized.

I settled a case for $27k for three clients last year. We spent a MONTH negotiating the non-disclosure agreement because the employer stated if all his employees sued him and settled like this, he would go BANKRUPT. His business model DEPENDED on wage theft.

These employers go on to hold elected office. 45 famously used wage theft to improve his finances on construction projects, leaving a trail of victims in his wake. Some sued and he had to pay them. Others didn't have resources to pursue multi-year litigation + got nothing."

Then the user responds to someone else asking a question.

The question:

"Can you explain this reasoning? Why expanding criminal liability is a bad idea? For whom?"

The user replies:

"What should we do about it? Criminalize employers or decriminalize theft or something else?

Wage theft shows that we believe restitution is important. Giving the money back is important. Currently, AG keeps track of bad actors and will increase future penalties for bad actors.

It also shows when harm is committed, we don't have to lock someone in a cage or label them a felon, both of which destroy years of life even after the sentence is over. We can demand restitution instead of punishment.

It also shows how ridiculous the label "high crime neighborhood" is. And the arbitrary and racist response of police surveillance in HCN. Because we defined it that way.

Consider the social construction of murder:

The people committing the most harm aren't in jail, don't live in high crime neighborhoods. And "black people commit more crime" is true only because of how we have defined crimes, and how we then surveil their community in response to find more crimes.

There are so many orgs trying to address harm and create accountability within community + without incarceration. We call ourselves prison abolitionists.

Just a few: @ byp100, @ survivepunishNY, @ justicehealing, @ DeeperThanWater, @ BlackAndPinkBos and @ BlmBoston"

end id]

robertreich

Hello?

femmenietzsche

President Trump's longtime teleprompter operator is believed to have made tens of thousands of dollars by placing bets on the contents of Tr

When President Donald Trump approached the podium to deliver his State of the Union address in February, one of the few people who knew what he was about to say was allegedly setting himself up to profit from the president's words. Trump's longtime teleprompter operator is believed to have made tens of thousands of dollars by placing bets on that speech and more than a dozen others on the prediction market Kalshi, federal investigators with the Commodity Futures Trading Commission found, sources familiar with the matter told ABC News. Gabriel Perez, a technical assistant to the president who has been operating Trump's teleprompter since 2016, is in talks with federal regulators to settle allegations he used his inside knowledge of the president's speeches to win more than $100,000, the sources said.

...

In certain instances, investigators uncovered times when Perez would back out of certain bets mid-speech when Trump skipped over a portion of the speech that included a word he had previously bet would be mentioned, the sources said. According to sources familiar with the investigation, Perez sat for an interview with regulators in recent months and acknowledged some of the trades. At some point during the investigation, the sources said the CFTC alerted federal prosecutors in Manhattan, who declined to open a criminal investigation. Regulators at the CFTC have expressed a willingness to settle with Perez, and have discussed terms with him that would require Perez to give back his profits and refrain from making similar trades, according to sources familiar with the ongoing discussions.

Beautiful, they should've sent a poet....

beardedmrbean

they used to let kids have real fun

afriendofblahaj

There's an xkcd for that :3

Side note: polonium-210 is a very dangerous isotope, however it "does not pose a radiation hazard when kept outside the body", as the alpha particle it emits have very little penetration power and cannot pierce even the outer layers of dead skin. It has still killed countless people, though, not because of children's rings, but because of tobacco. Polonium latches onto and concentrates in tobacco leaves, leading to heavy smokers being exposed to more radiation than survivors of the Chernobyl disaster.

It's always wild to me seeing comments about different toxins like this on information about random things in the past, but it's never discussed when it comes to cigarettes.

stardustandtea

Adding a relevant source on the polonium-210 in tobacco and how the industry tried to keep it quiet

anexperimentallife

evilsoup

man the absolute youngest holocaust survivors are like in their late 80s. It is not holocaust survivors doing this shit in the 2020s????

phaeton-flier

Implicit in these discussions is that it is not individuals, but peoples, who are the actors. Thus the discussion not of Holocaust survivors, but "populations"

swordandscytheandpen

okay good now i can reblog the post

"there is nothing morally cleansing about hardship" -- Okay, sure, true, but the more salient point is that nations, cultures, and populations cannot be morally cleansed! Groups are not moral agents; that is the exclusive province of individuals! Groups do not suffer, feel, or choose, only the human beings situated within them do.

To engage under the opposite framework, to write and speak under the silent assumption that it is peoples, not people, who function as the living base of society, is to give critical ground to not only Zionism but also to nationalism and racism as a whole. The assertion of tribe-as-moral-agent is the underpinning of a whole suite of chauvinisms and you need to consciously reject it.

dissic

To get it aired, they failed to mention Nakba but the point is the same

#Youtube

kookyvonspooky

I can also make a video that goes into detail about why you should not be using these words and how it actually really hurts us instead of helping any cause you're fighting for. But I am so sick and tired of seeing people who call themselves good rip into other minority and vulnerable communities for insults. It screams poser.

#just because you're not right doesn't mean your left #the left you're referring to is not left #I doubt they're even centrists

madame-helen

astromechapunk

#There seems to be a coordinated plan to put out of business Game shops that trade in physical media. #You will also have to pay GTA+ subscription charge if you want to play GTA6 online. #These days even being a game developer seems to put you on the endangered species list, I hear Obsidian the company that made the original Fallout and Outer Worlds is looking at bankruptcy. Not a great time for the gaming industry.

dissic

That's what happens when private equity takes over. They profit what they can then bury the rest and sticker the buried with the bill. Hooray capitalism

robertreich

Trump's corruption is making us all less safe.

gaslit-dipshits

appalachian-werewolf

Follow the money behind America's data center boom. Track 2,300+ projects, PAC spending, and the politicians who sign off on it.

reasonsforhope

Reasons for hope: Lots of amazing people did a ton of work to make this fantastic, fully interactive resource available - because no matter how bleak things seem, there are millions, and millions of people doing everything they can to protect both the world and their own communities.

You can use this to view and subscribe to updates, project statuses, and for at least some of them even whole dossiers. This is an amazing resource, I highly recommend checking it out

yayfeminism

On cognitive biases distorting how we see women’s representation

Why do people think the world is "feminised", even though women are still significantly underrepresented in politics, leadership and media representation?

Because people don't notice the absence of women, but they notice the presence of any women, no matter how few.

"When underrepresentation is the everyday default, even the presence of a lone minority can start to feel like ‘plenty,’ while a small handful may already seem like ‘too many.’ Our stereotype-saturated minds can pull a strange trick: we overestimate — sometimes wildly — how many women and minority-group members are actually present in a given environment.

In another relatively recent study published in BMJ Open, more than 400 medical professionals in the UK were asked to estimate the proportion of women across different areas of medicine — general practice, medical specialities, surgical specialities — and in various professional roles. Yet despite working in the field themselves and presumably having a better grasp of its demographics than the general public, participants consistently overestimated the number of women in nearly every category.3 The largest distortion occurred in surgery, where respondents estimated that women made up around 25% of surgery consultants/GPs, when the real figure was only 14%. And, as in the PNAS study, both female and male participants showed comparable levels of overestimation.

A similar pattern emerged in a 2018 Ipsos survey. Nearly 20,000 respondents across 27 countries were asked to estimate the percentage of women holding top CEO positions worldwide. Their average guess? 20%. The actual figure? Just 3%."

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