fizzy potion seller

Sage - They/He - Adult previously archondorian, blackparadedean

[gingeralewizard]

[depsidase]

[autie-j]

Remember when Xbox was going to basically ban used games for the xbox one, and Playstation made fun of them with that video titled "how to share games on Playstation" and it was just one guy handing another a game disk? And now Playstation is getting rid of physical disks entirely

[larken-the-skies]

It’s like they expect us to just forget their original marketing schemes in favor of more and more money grabs.

[primordialcell]

i feel like scary standing water and i want to feel like a river or at least a creek

[the-punforgiven]

[papasmoke]

How committed are you to embarrassing yourself online?

im ready to die for this

[galacticsabc]

part two of Grace knitting on the Hail Mary. This time, he's crochet his besties.

[targetedknowledge]

[dormitionanddominion]

[yardsards]

[Image ID: A close up of a silver truck with a paper taped on the driver’s side window that states, “How Long Am I To Be An Involuntary Test Subject For Cruel Technologies?” /.End ID]

[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!

[msilverstar]

If you use credit cards for major purchases like groceries and car repair, first of all pay them off ASAP! If you pay them in full on time every month, there's no interest or penalty. And if you get rewards, use them! You do not need to use them for air travel: there's usually a cash option that goes right back into your account.

[crimeboys]

supernatural is crazy bc alcoholism is good it's manly in fact it's sexy but addiction allegory is yucky it's horrible it makes you less than human

[katmaibearfan]

151. walker. sweetie. it is june. it is far too early for you to look like a djungelskog. ffs.

[90108s]

i commend your body to the stars [ get it as a print here! ]

[ID: A Project Hail Mary illustration. The artwork consists of a 5x7 grid, with smaller illustrations inside the squares. The smaller illustrations include: the xenonite Tau Ceti system; the Hail Mary drawn across three blocks; Grace’s bicycle helmet; Adrian’s green auroras; the Blip-C capsule; the crocheted Earth; the small xenonite figure; Rocky drawn across three blocks; the Petrova Line; the rainbow from Grace’s blanket; the shoreline on Erid; the Taumoeba collector; the green Skittles pack; and Astrophage as seen through a microscope. The squares differ in background colors. There are “empty” squares that reveal Grace on a red-orange background from beneath the small illustrations, only his side profile visible. He’s smiling softly. The overall artwork has an off-white background. The text above the grid reads “PROJECT HAIL MARY” and the text below it reads “LIFE IS REASON.” There are stars at each corner of the artwork. END ID]

[thefugitivesaint]

oakoak, 'Free Rothko', 2024 Source

[freshcuntgrass]

The best thing about this is how much love for Rothko there is in it. Like... here. Here is a rectangle, and if you stand far away it's just two or three colors a bit streaky, and the closer you get the more it opens up until it swallows you whole with the idea of how vast it is, how much bigger than you. If someone framed the real-life sea and sky and told everybody that's what my artwork was like to them I'd kiss them

[lilyan-art]

Spent a lot of time on a train today, so I decided to do a little postcard for Rattay, it’s such a beautiful idea I love it!!! 🥰 can’t wait to collect all the others during the Fanfest!

[dollhair]

Something about the bastardization of the story time and time again proves that nobody in power really cares about the people who would resonate with King’s Carrie White. A girl so ugly and repulsive she’s been removed from her own story. The societal need for women and girls to be constantly perceived as attractive is what fuels a fair amount of her torment in the book, but that person isn’t even allowed to exist on the screen. We cannot empathize with her; it isn’t allowed. It’s fascinating to me.

[habken]

old man