DO GOOD RECKLESSLY @jungwildeandfree - Tumblr Blog

I really do think that it’s good for the soul to be unironically pretentious about something. Not in a gatekeeping kind of way but in a “yes, it really is that deep and I would love to enthusiastically and passionately explain why” kind of way.

#finally. a post for Me.

wizardarchetypes

idk who needs to hear this but if youre riding a bike in the summer sun with a skirt on no underwear, be sure your to tuck your skirt under your butt THOROUGHLY before you get on lest you make direct & scalding pussy contact with the hot bike seat. just a random psa based on nothing…. be safe xoxo

kafkaesquegf

they should invent a high ponytail that doesn’t give me a headache and they should invent a low ponytail that doesn’t make me look like a miller’s apprentice going off to enlist in the continental army

horseabortion69

girl at the dyke night said I look like I use Linux what the hell

catharticscream

Remember in 2010 when Taio Cruz said "I throw my hands up in the air sometimes"? I appreciated his restraint. You can't just throw your hands up in the air whenever. There's a time and a place, and that time was 2010, and the place was the club.

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!

#GET AN ACCOUNT AT A CREDIT UNION IF YOU CAN. A BANK IF YOU CANNOT #NO OTHER ACCOUNT IS AN ACCEPTABLE SUBSTITUTE

ophianoi

constantine, 2005

#constantine is a good movie for many reasons but also for gabriel

normalwomansstuff-deactivated20

HOT AUTISTIC ADULTS IN YOUR AREA ARE UNSURE IF YOU WANT TO TALK TO THEM...CLICK HERE TO ESTABLISH CLEAR INTENT

jackkdaniels

when i was a kid i decided that killing people was bad therefore war was bad therefore the military was evil. and adults would tell me it's more nuanced than that and i would understand when i grew up. well i'm a grown up now and idk i still think that killing people is bad and war is bad and the military is evil

bloodclotbitch

lesbianmarrow

free use is kind of a funny kink bc it relies on the idea that everybody wants to touch you and have sex with you but what if they don't. what if you tell everybody at the party you're free use but they all ignore you and mind their own business

tunnaa-unnaa

taking notes

exhausted-cryptid-deactivated20

when it takes you a while to process what someone is saying and you realize they asked you a question

doughfox

I cannot fucking believe I am drunk, past midnight, and tumblr is throwing fucking saturated fatty-acids at me

musicprincess655

Listen here friendo I didn’t sit through a year of organic chemistry for you to come into my house and call a carboxylic acid a saturated fatty acid you respect that hexadecanoic acid

bismuthcladbattleship

And I didnt get a degree in biochemistry to hear you say that carboxylic acids with aliphatic chains arent fatty acids. That hexadecanoic acid IS a saturated fatty acid!