no regrets, only memories

hi im carter (or Q!), im just trying to live my best life | avidly curious | 27 | he/they | US | my throne wishlist

[mads-schubert]

Part 26 in my weekly poster series of 2025

[giveherswords]

WHAT A SHOCK WHEN THEY TELL YOU IT WON'T HURT AND YOU ALMOST TURN INSIDE OUT WHEN THEY BEGIN.

The Living Series, Jenny Holzer, 1989

[bunniope]

fire demon pussy hits different ow ow ow ow ow ow ow ow ow ow ow ow strap melted ow ow ow

[glowcowboy]

[kosmogrl]

[saltiecattoz]

[pocket-deer-belly]

i do actually think it's crazy that employers get a say over shit like tattoos and piercings and we just let that happen

[pocket-deer-belly]

if you look cool as fuck you become unemployable

[queerlycarter]

my parents must have given winnie a bath after the pool yesterday bc i was giving her kissies this morning on her perfect head and sniffin her while i did and i did not get comfy dog smell. i got soap -_-

[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!

[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!

[ophianoi]

constantine, 2005

[marithlizard]

(via bsky)

In case anyone hasn't heard, the cyclospora outbreak affecting tons of people in the US right now is coming from Taylor Farms produce. Best to stay away from bagged lettuce and prepared salads completely right now, but especially the ones mentioned in the screenshot:

Taylor Farms Earthbound Farms Little Salad Bar (Aldi) Marketside (Walmart) Kroger House Brand Target private label greens Costco salads and greens etc Trader Joe's chopped salad kits and fresh produce Fast food: McDonalds, Taco Bell, (Yum! Brands), Chipotle, Subway, Pizza Hut, KFC, Olive Garden, Top Golf, Red Lobster, Burger King, etc.

This is not the first time I've heard about a Taylor Farms foodborne illness outbreak. I stopped eating their salads after reading a description of the conditions in their facilities. Doesn't sound like they've improved anything.

We need a fully funded and staffed FDA, and regulations with teeth - and that's exactly what we don't have under Trump. To make things worse, the CDC is no longer tracking these outbreaks. We're on our own.

[crimson-femme]

Out in America: A Portrait of Gay and Lesbian Life (1994) by Michael Goff & the staff of Out Magazine

[pansyfemme]

me when i FUCKING get you *image of two mourning doves cuddling*

[paperandpencilsandskips]

[hjartasalt]

See him sweeties

[hjartasalt]

He's so sweeties!

[hjartasalt]

Now see him fabulous

[hjartasalt]

Now see him. In the dark.

[hjartasalt]

My pet comma/kidney bean/some sort of slug

[thirstkanaphan]

[frankendykes-monster]

[immaplatypus]

so I looked up the article to make sure it wasn’t taken out of context and it’s even better than I could’ve thought:

Holland said this allowed him to “lay down the law” on the “Spider-Man” set “and say, ‘We are not going to come to set and figure it out. We need to know why we are making this movie beyond the fact that it’s ‘Spider-Man 4’ and they make loads of money and we’re going to just have a big summer. Why are we making this movie?’ And Destin was super instrumental in that, but it was just really great to constantly be calling up the studio and [producers] Amy [Pascal] and Rachel [O’Connor], who I love, and be like, ‘Well, Chris is doing it this way. This is how I think we should be doing it.’ ”

Apparently Sony allowed Holland to postpone Spider-Man production due to how reliable Christopher Nolan is to actually wrapping up on time. Holland said this ended up beneficial because it allowed them to hire Destin Daniel Cretton (director of Shang-Chi) and give him a proper six months for further script development.

Holland also says The Odyssey was “the best experience I’ve had on the film set,” and that “I feel like I have a new perspective on where I want to exist in Hollywood.”