Nerd Up

I am a Tired Mom who just wants to like things in peace.

[oysters-aint-for-me]

do me a favor and plz reblog with your five most recently used non-face, non-hand, non-heart emojis

[flygoing]

laptop overheating?? pour water on it to cool it down!

[chastittie]

i trusted you

[flygoing]

Do not trust people like me. I will take you to museums, and parks, and monuments, and kiss you in every beautiful place, so that you can never go back to them without tasting me like blood in your mouth. I will destroy you in the most beautiful way possible. And when I leave you will finally understand, why storms are named after people

[four-leafed-queer-gal-deactivat]

THE ORIGINAL?!?!?!?!?!

[hickeywiththegoodhair]

“why are you, as someone in their 30s, still on tumblr” oh so you think you’re gonna be normal when you’re my age? you think you’re gonna be CURED?? you think the witches’ curse will have been lifted by then?? cmon now

[depsidase]

[daughter-of-sapph0]

tw lying

Keep reading

[sab3rtooth]

kind of love that the entire internet is under the impression that tumblr is dead. it’s like being part of a secret society

[displayheartcode]

[zvaigzdelasas]

[sometiktoksarevalid]

[killerlizardsfromouterspace]

[discordsparkle]

They didn’t make it

[everythingfox]

Baby chameleons help eliminate fruit flies

(via)

[maxknightley]

this is a cute video but I cannot emphasize enough that only one of them is helping. the goofball climbing the electrical cable deserves no credit

[victusinveritas]

[changelingcoded]

how are we feeling today

[crabussy]

man come on. it's colours

[crabussy]

THIS IS OUR RADIUM. you're absolutely right

[keepcalmandcarriefischer]

How it feels to use any tool, app, or website right now

[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!

[notahorseindisguise]

the "came back wrong" trope except like... they didnt. like this mad scientists wife died, and so he studied necromancy, brought her back, and she came back and it all worked. like she came back exactly the same as she was before with literally no difference. but the scientist guy is like "oh no... what have i done.... shes Different now!!!! she came back Wrong!!!!" and shes just like. chilling. reading a book. cooking dinner. shes just so so normal but in the guys mind hes like "oh shes soooo weird" but shes just normal

[mysticorset]

Peer reviewed tags from @somanyofthekids

[notahorseindisguise]

NO its a JOKE and YOU DONT GET IT. ITS NOT THAT DEEP

[hiveswap]

While she was dead he put his memory of her on such a high pedestal that she could never live up to it alive

[midnight-revolucion]

alternatively‚ she came back perfectly fine but he thinks she came back wrong‚ because the tragic reality is that he never actually knew his wife

[notahorseindisguise]

im going INSANE thats MY POST.

[marlinspirkhall]

It's your post but the journey to posting it changed it to such a degree that even its closest intimacies are now foreign to you. Sorry dude.

[racketghost]

UNIVERSE. YOU KILLED THE WRONG!! PERSON!! FROM HOME ALONE 2!!!!!!

[homunculus-argument]

An anime that starts out with a pretty lighthearted fun and cheery premise and a large cast that is 70% female, but halfway through the first season, the women proceed to "accidentally" kill the Funny Pervert -character and spend the rest of the series covering up each others' tracks about it.

[bedupolker]

Kevin can fuck himself