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Ruby (they/he/it). Aroace ♠️ & Nonbinary 💜 Tag games, asks, and messages are always welcome! Writeblr sideblog is fourohfourrealitynotfound Crafting sideblog is hook-line-and-crocheter My personal posts tag: #status: 302 My classic tumblr posts tag: #classic posts My funny tumblr videos tag: #funny videos

[lily-frog]

goodnight :)

[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!

[kyoshi-lesbians]

my controversial opinion is I don’t think Zuko was confused by “my first girlfriend turned into the moon”

[kyoshi-lesbians]

he was there during siege of the North. he infiltrated the spirit oasis. he has an uncle who studies spirits and the spirit world. he watched the sky go dark then the moon suddenly reappear like everyone else in the entire world did. and most importantly he watched zhao get eaten by a giant godzilla fish spirit.

[kyoshi-lesbians]

his entire life since he saw that beam of blue-white light in the south pole has been ‘this day has already been so goddamn weird’

[edgar-allan-possum]

The only really new information was that that was Sokka’s girlfriend

[library-graffiti]

Important opinion in the tags that I need to have be part of the post:

[clearascountryair]

Also, Iroh was there? He literally watched Sokka make out with the moon spirit. And you want to tell me that a romantic sap like him would not have immediately told Zuko about this romantic tragedy? Please, Zuko has known about this for ages, he just knows that this is not an acceptable situation in which to say “yeah, I know.”

[terriwriting]

Sokka: “My girlfriend turned into the moon.”

Zuko: “I know.” “Yes.” “She sure did.” “Uh huh.” “Tell me something new.” “Are we still talking about that?” “That’s rough, buddy.”

[alexseanchai]

[image: tags by samwisethebold: #it’s not that he doesn’t get what sokka means #it’s that how on earth do you respond to that]

[uberguber89]

When you put it like that, this is actually a legendary display of tact on Zuko’s part

[going2hell4everythingbutbeingbi]

graffiti discourse is so stupid why the hell would I give a shit if people spraypaint their names or do some cool paintings under a bridge

[going2hell4everythingbutbeingbi]

sorry didn't realize the bridge has to be plain beige concrete. that was a load bearing plain beige concrete if anyone tags it the whole bridge collapses

[autismfox]

Graffiti is modern day cave painting

[encryptidarchivist]

count dracula? uhhh ok. one

[zamczysko]

WRONG! searching "dracula" on letterboxd alone gives almost 600 results! and that's just movies! thousands of draculas are upon us

[kozlarz]

cmon they just started… give it some time

[encryptidarchivist]

thank you.

two

[awed-frog]

“Many of you are writing about race, racism and white supremacy right now. Please use this chart to correctly identify Black Americans. Accuracy in how we identify folks is paramount always but especially right now.”

[molabuddy]

really specific trope i like that i feel like can only be explained in a diagram

[typhlonectes]

[las-lus]

Man sometimes i feel insane bc people say "what if a kid sees this" and they sound so worried and I'm always like? Ok ? then they saw it?

Like people are bending over backwards to make sure teens don't look at porn and. Man. Every teen in the history of humanity has looked at porn. Before our species knew how to write there were teenagers drawing dicks and boobs on the sand and getting hard from it.

"Oh what if a kid sees your evil nasty steven universe fanfiction" then they'll learn a very important lesson of checking a link before clicking on it. Hope this helps.

[clownstillwritesfanfic]

I was having this EXACT conversation with a friend earlier today.

I don’t put MDNI on my fics because I know that doesn’t work. I clearly state if my fics are smutty or suggestive and I’m leaving that up to you to decide if you want to read it or not.

I’m trusting that the people that interact with my smut fics are 18+ but I’m not wasting my time to go through every single note and check if you’re an adult.

I was reading smut fics all the time as a teenager. MDNI’s never stopped me. I don’t care who reads my stuff, just don’t tell me about it or request it if you’re underage.

[las-lus]

YEAH! If you're a minor reading something +18 you know you're doing something you shouldn't. Just don't tell the writer!! We don't want to know and also why would you snitch on yourself?? It's like getting a fake id, successfully buying booze and immediately going "btw that's a fake id" to the clerk.

[lake-erie]

this year’s prom theme is… *opens envelope* Great Lakes Invasive Species And What Boaters Can Do To Stop Them

[football-in-tuxedos]

And the subject of tonight’s ecology panel is *turns on powerpoint* Enchantment Under the Sea

[whaile]

late summer / early fall thoughts

[derinthescarletpescatarian]

Sam Handwich.

[sufficientlylargen]

If Pikiwedia says it it must be true.

[zooperdoopers]

I made Pikiwedia real. Works for any Wikipedia page. Use this wisely :)‌

[sufficientlylargen]

Oh, wary dell vone

[zooperdoopers]

Goodmorning to the Anthropic Claude AI training scraper that suddenly decided to request 660 thousand pages (exactly the number I had remaining on the starter plan) and brought Pikiwedia down. 

Sudden switch from diverse user agents like chrome, safari, messenger preview to Just Claudebot. I'm not even mad though, this is maybe the funniest thing possible, because I've inadvertently poisoned their training data with thousands of fucked up articles with normal urls. 

Pikiwedia perseveres, back up with a better robots.txt. I hope Anthropic has a gery vood time with Pikiwedia's data :))

[fortuneaday]

[sabertoothwalrus]

I’m so proud of senshi for making it so far in the tumblr sexyman poll. I think it’s so beautiful that tumblr has reached a point where a short fat hairy bearded man is the pinnacle of sexuality for a large swath of this userbase. it’s like when you see before & after pictures of a rainforest recovering from deforestation. nature is healing and we can fight god

[sabertoothwalrus]

I hope he wins so someone will have to explain to ryoko kui what a tumblr sexyman is

[ailithnight]

[sabertoothwalrus]

I have to say I forgot the onceler’s thing was cutting down trees when I made my metaphor.

[buddie-romance]

thank you ao3 for being an archive and not an algorithm. thank you for letting me like things without consequences, thank you for being free with no ads, thank you for having lawyers to defend our freedom of speech. thank you tag wranglers. thank you to all authors and thank you ao3

[thyrell]

joe biden should do another stimulus check where the ira sends me a lox bagel. with cream cheese please

[thyrell]

irs.

[efoxgirl]

[dogpuppy]