local bee king

butch lesbian [they/them]// 27//NorCal currently getting up to rat like mischief might see: fandom, music, horror, politics, lesbian/trans/queer content, nsfw, other 18+ please, asks & dms open UNRELIABLE TAGGING

[metalsands]

don't leave your dogs unsupervised folks

[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!

[willgrahamscock]

*in a jigsaw trap* yeah so, do you mind if we reschedule this? it's just i'm not really feeling it today sorryyy

[willgrahamscock]

the whole things just giving me anxiety haha

[willgrahamscock]

no worries if not though!!!

[drops-of-universe]

sorry i was passionate & intense & insane. it will happen again

[donuts-multifandom-hellhole]

I'm sorry, why exactly are we getting all pissy about Taliesin when it comes to Bolaire and his opinion on Thjazi and just Bolaire in general? Y'all are treating him like he's a bad player and doesn't properly communicate with the others as if he hasn't been doing this for 11 fucking years throughout four campaigns, several one-shots and mini campaigns

Why is it that people cheer on Matt and Alex for playing morally ambiguous characters but when Taliesin does, suddenly he's a "bad player" and "doesn't communicate with the others"?

[cringefaecompilation]

idk guys i feel like occtis and julien are sibling-coded as hell. julien refusing to unpack his feelings towards his shitty parents and instead taking out his fury and hatred on occtis' entire family and them constantly butting heads with him but being unable to place why he cares. because if occtis' family is pure evil and sucks then he doesn't have to think about his family being imperfect, he can just focus on rescuing this kid from a shitty environment. this is your little brother now asshole

[64mpg]

me: 🧍🏽‍♂️

my nervous system: we are going to get in so much trouble seriously

[digitalbeachrave]

[grakkie]

I think they’re funny

[plaidos]

i invented sex btw say thank you

[plaidos]

people complain that i’ve made this post multiple times but i think im entitled to brag after everything ive done. do y’all know how babies used to be made before i invented sex? it was fucking gross.

[widogast-ta]

Veth calling Caleb the best dunamancer indicates to me 1) she is aware of this particular pedantry in the Widogast-Thelyss household and 2) she uses it to piss Essek off specifically. And I love that for her

[ccattnipp]

Act like a ’90s anime villain power couple.

[elveny]

If your business can only be reached and all info about it only be accessed via Facebook or Instagram, know that it isn’t reachable or accessible AT ALL.

The whole metaverse can no longer be properly viewed without an account and I am definitely not making one just to see your contact info or opening hours.

Get a fucking WEBSITE. It can be just a static landing page with the relevant information. But get off the metaverse!

[ofchaosgoddess]

help I’m having ideas beyond my available free time

[thememedaddy]

[showerwhoops]

[whaile]

late summer / early fall thoughts