land of rain and candy @fallingfish - Tumblr Blog

We have always existed, and we always will.

i love writing out numbers and then putting them in parentheses like "one (1)" even when i dont need to i think its funny

justatiredlittlesnail

#accurate #i love doing this

mothermishy

Hair by weiwesleywei on instagram part two.

#fashion #hair

makingtrouble

It's my cat's birthday (anniversary of me getting him) so I told him the story of his life while petting him real good

Highlights include:

For your first two years (when you were small) you lived in a foster home with people who raised you into a very polite young man. Two is like you plus me, that's what two is.

Some people adopted you before me and they called you Timmy (which is a stupid name) and they returned your ass almost immediately because you were so annoying at that age.

Like think about how annoying you are right now at seven years old, but way worse.

I'm better than them though, I don't call you Timmy and I wore earplugs to bed for three years because you love to scream at bedtime. Earplugs are like when I roll over and go back to sleep even when you are yelling so so so loud.

I got you at a time in my life when I was really sick (being sick is like when I'm up late because I'm throwing up and you are a very handsome good boy who sits with me) and they had to put me asleep for a procedure. A procedure is like what happened to you when they put you asleep and took your balls away.

Now you've lived with me for five years. Five is like the number of toe beans on one of your feet. When I clip your nails five is when we're halfway done. But we're hopefully not even halfway done with how long we get to be together. I'm gonna have to figure out new ways to help you count.

makingtrouble

Actually I've decided this is a poem

#adventures of irl people

aquilacalvitium

Write it badly or it'll never be written

aquilacalvitium

Please keep interacting with this post because when I come to tumblr to procrastinate, this shows up again in my notifications and guilts me into writing again

phantomrose96

Hey kids, you need to start worrying a little less about getting “#mogged” and a little more about getting “#smogged”. This is an Air Quality Index public service announcement.

#2026

forest-woman

laurierrose

we need to start legally protecting these like make this kind of bathroom part of the national park system

#home decor fandom

tiktoksthataregood-ish

bpwpbshika

#videos #humor

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!

#adult things

jehovahhthickness

Praying that $1500 randomly comes to you when you need it the most this year.

jehovahhthickness

Okay inflation is crazy.

We bumping up the price to $15,000 for 2026.

bumblebeebats

How is it that you can a music library of like 1,200+ absolute bangers but as soon as you put it on shuffle in a group setting it's like. anime opening you added in 2010. homestuck parody song. musical artist who was cancelled last year for kidnapping and eating children in his basement. Hamilton

bumblebeebats

I can't believe some people are actually reblogging this like "Tch. Omg, so embarrassing OP, I can't believe you would ever admit to liking Hamilton 😏 " like ok, first of all congratulations for hatching as a fully formed adult in 2022 from the pure white egg of a virgin swan i guess. Raised in a cave on a diet consisting solely of nuts and berries and leftist twitter clapbacks. "ooooooh, I've never had a complicated relationship with a piece of art that was phenomenally well-received at the time but aged like milk as later reflection revealed the fundamental flaws in its premise that were in fact present from its inception but which I didn't notice because I was 17 and hadn't heard of neoliberalism yet" Should we throw a party? Should we invite Anthony Fantano? Anyway second of all. you draw the line at Lin Manuel Miranda but you're fine with basement guy?

#humor