yez thiz became an excuze to advertize zome of my favorite media. alzo of that iz clothing i do in fact have, emh hat and all. yippee
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EXPECTATIONS

gracie abrams

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roma★
RMH
KIROKAZE
Noah Kahan
Cookie Run:Kingdom Official!
Cosmic Funnies
🩵 avery cochrane 🩵
Monterey Bay Aquarium
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Origami Around

izzy's playlists!

tannertan36
Fieri Frames

Jimmy Eat World
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seen from Senegal
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@guroboyfriend
yez thiz became an excuze to advertize zome of my favorite media. alzo of that iz clothing i do in fact have, emh hat and all. yippee
love this can’t believe it only has 1 like
Pjackk is literally not a lesbian he has so many posts about having sex with men. Polish men at that.
he believes himself to be an ancient greek poet
My son saw a bug on the ceiling for the first time
Most major corporations — from airlines to social media platforms — now aspire to become unregulated banks. Bankification today accounts for
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.
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.
FYI this is what the logo looks like and Apple Cash is FDIC insured.
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:
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.
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!
was at the public pool yesterday and i kept looking around at all the women with fat and rolls and stretch marks and discolouration and cellulite and scars and thighs that bounce and bellies that jiggle and it's like wow. literally Everyone has these features that society is trying to convince us are evil and unnatural. idk it just really put things into perspective for me. highly recommend checking out your local public pool
the passenger (2023)
Sea bunnies/slugs stimboard for anon
x x x - x x x - x x x
“are you okay?” oh my god no but for the purposes of this conversation yes i’m fine
aroace ryland grace believerz get into worm plz im zo zick of being alone in thiz fucking fandom
Abled people: “It would suck if we’re cyborgs in the future and you have to pay to replace parts and keep yourself running. Can you imagine? What a hell it would be to live in!”
Disabled people who have to pay tens of thousands of dollars for basic functioning and access to the senses: *looks at the camera like they’re on The Office*
MOODBOARD FOR WHEN SHIT IS FUCK
this comic is 30 years old
that last reblog has me musing on healthy friendships between adults and minors. i’ve seen a lot of good posts about how to spot predatory behavior, but i haven’t seen many about what healthy behavior looks like. & i know i have some younger people following me for various fandoms, so
signs of a healthy friendship w/ an adult:
they don’t do the obvious predatory things; they don’t send you sexual content or ask you sexual questions, they don’t tell you that you don’t “seem” like a minor, they don’t start inappropriate conversations
they don’t do the less obvious predatory things; they don’t ask you to keep secrets or try to isolate you from others or ask inappropriate favors or use you as a key source of emotional support*
you’d be comfortable with your parents seeing your conversations (or, if you can’t trust your parents, you’d be comfortable with a trusted adult seeing your conversations)
they’d be comfortable with your interactions being shown to people; they don’t ask you to ‘hide’ anything
they set clear boundaries; they tell you when they’re not comfortable offering guidance, when they’re uncomfortable with a conversation in general, etc.
they respect YOUR boundaries; they drop or redirect conversations when asked, they don’t ask for invasive details about trauma or your living situation, etc
you aren’t nervous about telling them when you’re uncomfortable - or at least, you aren’t more nervous than you are with anyone else. some ppl have anxiety disorders or struggle to articulate discomfort, i get it
on that note, you shouldn’t feel more anxious or nervous around them than you do around other trusted adults.
you don’t need to have a Reason for the nervousness - sometimes a person’s intensity or conversational style is just stressful. the same might happen w/ peers your age. a beneficial friendship shouldn’t make you feel consistently tense/on edge, even if the other party hasn’t done anything “wrong”
(people don’t need to Commit A Transgression for you to want to stop interacting with them. if they’re not making your life better, you don’t need to keep them in your life.)
your friendship is based around mutual interests - fandoms you enjoy, creative work you’re doing, hobbies you share, etc. you both have an equal interest in the things you talk about, & your conversations focus on common ground between you
you’d be comfortable with them interacting with others in your life - peers your age and trusted adults.
they are respectful of you as a person; they act with appropriate awareness of your age, but they don’t condescend to you or tell you they wish you were older or treat you like an infant they’re in charge of babysitting. basically, they aren’t an asshole.
if they are comfortable being asked for emotional support or guidance (not all adults are!), they offer advice and support from the perspective of a mentor, rather than the type of support you’d expect from a peer your age. they’ll also tell you when they don’t feel like they can give helpful advice (see: boundaries)
there are other healthy signs; these are just some basics
please note that it is possible for friendships to have some of these elements while still being unhealthy. this is not a checklist for a Guarantee Of Healthy Dynamics And Stability. it is, however, a good place to start if you’re not sure what an okay friendship with an adult looks like.
*the emotional support thing is complex: there’s nothing wrong with comforting an older friend who’s sad or grieving or having mental health struggles. but you Shouldn’t be a person they’re Relying Upon for support - they shouldn’t be leaning on you for constant help managing their feelings/struggles.
this is bc adults and adolescents tend to be in very different places where emotional processing is concerned. an adult will find more helpful emotional support from other adults, similar to how you might find more relatable emotional support from your peers than from adults. it’s bc of where different people are developmentally
(also, like, an 18 year old and a 17 year old are very similar developmentally. a 30 year old and a 17 year old are not. how much older they are makes a difference.)
an adult who depends heavily on you for support isn’t Necessarily doing so with predatory intent. but they Are making the choice to ask an adolescent to be partially responsible for their emotional wellbeing.
you’ll see a lot of people talk abt the trauma of being the emotional support system for their parent(s) growing up (and might have experienced it yourself); similar dynamics are at play here.
there are also codependent relationship dynamics that are unhealthy Even When both involved parties are adults. some adults may purposefully look for codependent support from minors because they’re aware you haven’t had as much life experience with setting boundaries, saying no, & recognizing unhealthy demands. which is predatory; not all predatory behavior is sexual.
Due to my weird childhood and my weird brain, I have this very unhelpful compulsion to conceal Everything I do from Everyone. I Cannot be observed performing any action, no matter how mundane. My nervous system is convinced I'm gonna, like, Get In Trouble for eating food at dinnertime or sleeping in my bed at bedtime.
I've taken to asking myself, "Okay does this task actually require subterfuge or am I stealing a balloon on Free Balloon Day"
I am in love with ships like this.