violence and hate and rage

oh hey whats up |31//any pronouns//| yeah you can come in no its fine sorry I havent cleaned in a while, y

[becquerel]

mmy web weave of how it feels going nowhgere and feeling like no one and thats ok

[lostcryptids]

[skybristle]

[chaoticneutralwife]

*mumbling and grumbling* maybe i wanted to win stupid prizes *kicks dirt*

[just-another-regular-dude]

[avalonjoan]

Love that you’re making it clear exactly what physical demands this job has, but could you possibly, potentially, phrase it differently?

[sternfleck]

My resume

[elodieunderglass]

Must've been hard as hell in the day-to-day

[elodieunderglass]

Frodo: I just felt like I was really locked in … idk

Sam:

[elodieunderglass]

Getting notes on this post is like …. Girls you might be in burnout. Sorry I can’t help. 😘 though

[hiveswap]

Hey guys you should totally get into this thing i like. Yeah it's mid at best. It also aged poorly. You'll get nothing out of it at all. You'll like the idea of it more than the actual thing. But at least only takes half your natural lifespan to finish it

[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!

[thatlazybones]

death note trio 🖤

[eroticlamb]

corpus museum , netherlands

[polararts]

𝒜𝓃𝑜𝓉𝒽𝑒𝓇 𝐵𝑒𝒶𝓊𝓉𝒾𝒻𝓊𝓁 𝓈𝓊𝓃𝓈𝑒𝓉

[touch-starved-lurker]

i dont struggle with skin picking im very good at it

[boxheadpaint]

had a bad low blood pressure moment last night and messily asked my partner for saltines and water before realizing i should probably ask for the Blood Pressure Medication I Need To Take. while they went to go grab it though i still had water and crackers so in a daze i took a swig of water but didnt swallow and then tried to cram 2 saltines in my mouth. full of water. in bed. with mouth full of water

[boxheadpaint]

[spidermanifested]

Boxhead Devouring Two Saltines, 2024

[trashyeggroll]

tumblr is great and all but ya’ll are missing the woman in one of my cat fb groups that has birthed her own tier 1 meme

[wav48k]

i hate dogs with blue eyes. why is fucking jeff the killer at my back door

[wav48k]

Do you need something.

[wav48k]

before this starts getting notes i have to add that this is not my dog. i dont know how he got in my backyard

[wav48k]

someone made a terrible youtube video searching for the source of this dog picture like it's lost media and he on-screen scrolls by a live tumblr link to this post before claiming i deleted my account, pulling up a wayback machine archived page, and then lying about contacting my ex boyfriend for more information

[cinematv]

HIGH SCHOOL MUSICAL 2 (2007) dir. Kenny Ortega