Smiles go for miles!

I love Fire Emblem, Rockman.exe, and Pokemon. Not very consistent at tagging.

[evilscientist3]

California quail we're unforgettable,

Black head with big feather on top

[anywhoozles]

[butchtoks]

[callileon]

local guy has extremely worrying homemade spells

[somecunttookmyurl]

we should bring back the supernatural fandom somehow having an extremely specific gif for literally every occasion though

i know you guys are still out there. i know you still have your .gif folders. don't pretend you're not.

[fade-steppin]

[somecunttookmyurl]

[somecunttookmyurl]

you. you get it.

[cyllika]

Experiment Style

[popopoyata]

わんどろ

[mcschnuggles]

[baynton]

[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!

[girlnextvore]

When you see a Prep in hottopic

[girlnextvore]

“This Prep is ready for war bring it you emo fuck”

[girlnextvore]

why are people reblogging this again

this post is like 11 years old

WHY AREYALL DOING THIS

[derinthescarletpescatarian]

We’re all having a midlife crisis leave us be

[girlnextvore]

hey

fuck you LOL

[darkwebdad-deactivated20160207]

listening to phil collins

[joe-o-vanilla]

finally finished rendering this mwahahaha have your mystical joe kid icarus art

[teaboot]

Do you think Clark Kent's first few major articles were about the continued presence of lead pipes in parts of Metropolis' water system

[teaboot]

(Average Metropolis reader after investigative reporter C. Kent's 452nd article on yet another case of landlords/business owners/factories' continued use of lead pipes/paint/gas/glass knowingly exposing the public to dangerously toxic lead levels) what the fuck happened to this guy

[teaboot]

One day Bruce Wayne mentions in an interview that heroes like Superman are overrated, as the most effective way to reduce crime is to provide public resources and improve local infrastructure, then cites how neighboring city Metropolis has effectively lowered their violent crime by 13% after addressing their outdated water system and investing low income housing. the reporter conducting the interview suddenly starts looking a little uncomfortable

[teaboot]

To be clear, Clark is still a fantastic investigative reporter. He still has to track down the sources to prove all this shit

[teaboot]

"Who, Clark Kent? Yeah, we're pretty sure he's a Meta. Is he a superhero? Like what, "Lead-detector guy"? "Captain pipes?" Don't get me wrong, he's a great guy and it's a handy trick, but it's lead detection, not laser vision. He's not about to go running around in tights any time soon."

[sindri42]

I just love the idea of a cape maintaining their secret identity by pretending to be a completely different and less impressive kind of parahuman.

[roach-works]

everyone assumes that kent is so squirrely around superheros because he’s just desperately hoping not to be conscripted to the JLA to fix their plumbing

[teaboot]

Local Metropolis Reporter Publically Recognized For Contributions To The City; Awarded Medal Of Distinction

[championofdnd]

They tried to get superman to present the medal but he was offended at being called "overrated" in comparison to Clark so he declined

[teaboot]

Counter offer: Bruce Wayne disguised as Superman

[teaboot]

beating this dead horse with memes

[xalatath]

3-5 turkey vultures will soon be dispatched to your location.

[jay-rayart]

When I was in 5th grade a girl told me that “black boys couldn’t be pretty” it took me a long time to see something worthwhile in the mirror

[ohwhatagloomyshow]

do you remember why you followed prev

yes :)

no :)

Remaining time: 2 days 8 hours

[terkaterr]

ah doing ma thing just like god int- (remembers im atheist) just like the universe intend- (remembers i don't believe in determinism) just like noone and nothing intended ever. doin ma thang fucking unpredictable style