Star's Ecksistance

25, She/her/ asexual, married. I'm interested in way too many things.

[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.

[lizardlicks]

If you don't want to deal with the large banking industry i get it. Go sign up for a local credit union. They're FDIC insured, your money stays local, and you can personally get to know and talk to your bank.

[the-real-seebs]

Probably the best piece of advice I ever got from my lawyer was opening a credit union account. They really are noticably better behaved than banks.

[cwicseolfor]

Your money IS NOT insured under the FDIC in a credit union account (they’re bank-only); it is insured under the NCUA instead. Insured institutions will typically put the logo or a statement about said insurance on the bottom of their webpages and mailers or letters. (Investment accounts in brokerages would be insured via the Securities Investor Protection Corporation, SIPC, but only against the brokerage going out of business or similar, not against market losses when the prices of things an investor owns go down.)

This matters a lot in this administration because there are so many attacks on regulation, especially the Consumer Financial Protection Bureau (CPFB) and attempts to do bullshit like force banks to bail out crypto speculators before US dollar holders, so I would not be surprised if they tried something there too.

[bitchesgetriches]

We go over this exact topic (the FDIC, NCUA, and even threats to the CFPB) in this video essay:

FDIC Insured Banking Doesn’t Mean What You Think It Means: The Truth About Securing Your Savings 

[rachelbethhines]

PayPal, Venmo, Apple Pay, and Google Pay should only be for transferring funds and online payments as an extra security step, or as a possible back up if you loose your card and are waiting for a new one to come in.

They are not for storing/saving your money!

[mossworth]

Guys, queers. Specifically my fellow queers.

I work at a library. We do this thing where, every so often, we weed the collection. It hurts to see books go, but it's necessary to make sure there's room in the library for new materials.

I have seen so much support for the library in text, and I've seen folks pass around those beautiful "queer your library" flyers. Keep doing that. That's great. Nothing wrong with that. But you HAVE to turn your words into action. We MUST remember to actually go to our local organizations and libraries and actually, with our own fucking hands, interact with these materials we want to see more of.

My branch is medium-sized for a library, maybe a little small. We don't have as many materials as I'd like, but we have fundamentals. Tell me why, even with all the verbal support I've gotten from my local community for the library as a resource for our LGBT+ community, every single trans biography and a good chunk of our vaguely queer theory books were on the list. This isn't a scheme to take the books off the shelves, it isn't another bigoted American governmental push. The only thing we look at when we weed is how long it's been since the last time the item was checked out.

Three years.

No one in my community interacted in any meaningful way with the few books on trans life and history we physically had on the shelves for three fucking years.

I promise you the materials you want and need are there, but this isn't a horde. This isn't a static safety net. You have to use them. You MUST use them or, in the future, maybe in three years, they *won't* be there anymore.

This isn't a vague post, there's no one person I'm hinting at or calling out. I'm not even talking directly to anyone who's directly in my line of sight. I just want everyone to hear this. Big library, small library, whatever. Doesn't matter. Please, we cannot be losing our shelf visibility like this.

[alanfromrochester]

I work in a different library and can confirm, it's a decision based on popularity not censorship

we're big enough to have lots of shelf space but still have the problem on a different scale. We do have a back storage room rather than completely getting rid of some things, but having to ask for that might be a barrier for sensitive subject matter and prevent people from casually stumbling across something of interest

[paintedpigeon1]

Yep. Different library worker here, we weeded adult non-fiction recently bc it's most rarely used and we needed to clear a bookshelf of space, and there were a decent number of queer books on the list. Thankfully not all of them, but some (we had a lot lol). Our criteria is also no borrows in 3yrs. I can't borrow the whole list by myself. I do try to get these books in, and the local authority are happy to buy them, but we need space for new books every so often and we can't keep everything forever! If you want them, you have to use them!

(incidentally, the whole list was 35 pages long, which... please borrow the books you want people)

[qbdatabase]

I didn't have time to comment the first time I reblogged, but I can add now:

I'm also a librarian and queer books are almost always cut first when we have to weed for space or prioritize new releases over old items because no one reads them

I will say, when I worked at a large downtown location, we had a "browsing card" that we would check out items we found taken off the shelf and left on a table, as an example of a book that had clearly been read, just not checked out by anyone

it's possible queer books do actually get a bit of unfair treatment in this regard because people may be nervous or outright scared to check them out onto an account with their name on it. so they get browsed at a much higher rate, but if a library doesn't have a specific system in place (or need for it) to count browsed items, then it looks like they aren't being used and they get weeded

for other librarians, a browsing card is a great idea if you have enough staff for the extra work / enough items left out to justify it

for patrons, check out queer books even if you don't read them! you're not lying or committing any type of fraud. you're keeping books on the shelf long enough for pride season when people are interested in checking them out again and for people scared to use their own accounts or who don't have library cards

for anyone nervous about using their library card, libraries do not keep search histories of what you check out!! this means even if the government does come back with a warrant, *wet farting noise* too bad! it doesn't exist!

so please check out queer books!

[vtothefun]

I have to wonder how often they aren't checked out because those in an exploratory period may not feel safe enough for them to go home with them, too. Kids, for example, or folks who have ended up in a het marriage that... Doesn't feel like it's quite right (or may be physically abusive).

[mossworth]

This is most definitely one of the causes of this. That's why it's so important for folks who *can* to *do*.

It feels like such a small thing, but all movements are made up of small things! We have this mindset that in order to get everything done, everyone must be doing their (or *the*) absolute best at all times. But not everyone can do the same things, to the same degree, with the same amount of productivity or success. Not everyone can; sometimes, they're the ones that need help. Sometimes people just need help.

This post is very much so intended for the people who can. I've seen a lot of replies from folks who say they don't have to (or don't think about) checking out or requesting queer books from the library specifically because they *can* buy them, can pirate them, or already have them in their house or on their computers or phones. But in instances like that, keeping these books in circulation is less for you and more for the people who can't. The folks who come to the library, who don't have access to internet--or even electricity--at home and would never--have never--been able to interact with this "ubiquitous queer community" we have here online who has made so many of these. materials so avaliable to the rest of us.

And... if I can be a little frank. Sometimes the hyperaccessibility of these materials online (through pirating, cheap e-book copies, etc) gives people a false sense of security. It implies that these things are an infinate resource, good for "When I get around to it".

And often, you won't. There's so much to read and so much to do. So much to download and so much to sit down and stare at for hours. That kind of mental scope puts books in people's hands (or phones), but never in their heads.

But the moment your favorite document archival site gets knocked offline for breaching copyright or your go-to mega corporate audiobook distributor decides it doesn't want "those" materials anymore, what's left? What did you download? What information did you internalize? Did you ever get around to it? If you did, great, but what good does that do for the person who didn't? Are you going to be the one to redistribute that information? Are you going to communicate it in the place of the author whose words are no longer publically accesible or, mostly avaliable, but only behind hefty paywalls and financial gatekeeping? How would someone else get a hold of it? How could they, if they wanted?

[vtothefun]

This is excellent info.

What are some good books to check out for those who can?

[mossworth]

Gosh... there's so many options. I wouldn't know where to start without knowing who I'm talking to and what they're looking for. What I can recommend is for folks to check out creators like @makingqueerhistory who have spent just a ridiculously beautiful amount of time collecting queer history and book lists! You'll find something in seconds reading their page.

Personal pitch: I liked the books Tar Hollow Trans and Gay Poems for Red States. Both great.

[makingqueerhistory]

I'm glad I was tagged in this because it means I can cosign (and also add a little nugget of info).

I live in a province that is currently trying to ban queer books from libraries, and as a library patron, this is terrifying. 95% of the books I read are from the library and a lot of them are way out of my budget to buy personally.

Making Queer History would not exist without the school library I skipped class in to write articles. It would not exist without my friends with library cards for their universities sharing them and getting me access to rare texts. I would not be able to read as much as I do without Libby and Hoopla. If I have ever given you a book recommendation, know that I likely got it from the library first.

I cannot overstate the importance of protecting libraries and checking out queer books. And I want to say thank you to everyone above for being as passionate as I am about queer books in libraries.

Love y'all <3

[allthefoolmine]

@official-library-posts

[official-library-posts]

official library post

[eldritchbauble]

Can you remember the 90s?

Yes

No

Remaining time: 4 days 8 hours

As in, do any of your memories take place during the 90s (yes, a single memory from 1999 counts).

I can remember about half of them. My earliest memory was probably 1995 and they go from there.

[notthatamy-blog]

Can you remember the 80s?

yes

no

Voting ended onJun 9

Do you have any memory of watching The Wall come down on the evening news? Was anyone on Tumblr there?

[digitaldiscipline]

[estrogenesis-eeveeangelion]

well maybe you should blearily wake up at 5:08 in the pre-dawn light and find the sleeping soft tiny mammal body of your cat just inches from your head like a miracle too beautiful for speech, and you should rustle one hand out from your blankets to rub fingertip circles across the warm eggshell dome of her little velvet-wrapped skull and on the bristly patches just where the cups of her ears begin, and as she inclines her head into your fingers and purrs without ever opening her little eyes you should feel a love so tender that you understand how that love could have reached out from the fireside into the inky spangled nights long gone to reach her, and then you'll feel better

[estrogenesis-eeveeangelion]

i am at a complete loss as to how to adequately express to you how much this cat throws up yeah

[can-i-make-image-descriptions]

[Image ID: Tumblr tag from hotTubSharts reading: and then maybe she'll wake you again at 6 to the sound of her puking on the floor. maybe /End ID]

[bisexualhunterbiden]

I need to remember that 90% of the people discussing politics on here are basically operating at this level of historical literacy.

[thancbread]

i love this reply in particular

[beardedmrbean]

[dragon-in-a-fez]

ever wandered around in an open world video game and noticed there are no children? no elderly people? no fat people? no one using a wheelchair? no one with a guide dog? this is supposed to feel like a living world and there's so much of life that's just not there

[jay-rayart]

Help our story take flight and back FLY on Kickstarter Today!

Coming soon: FLY : A Magical Black Boy Series - Pilot

A coming of age story about Black kids who finally have power to fight back against systems designed against them.

[creatingblackcharacters]

Let's support Black indie animations!

[demilypyro]

not to be political on main but i think we should probably be making things easier for people

[quakerjoe]

[winningmachine]

it's #EvilCoach season. fwiw the provided reason is one but really you're gauging how they cope with doing something they feel to be pointless and insulting and being watched by figures of authority while they do it. how do they process, express or suppress embarrassment, confusion, shame, frustration? obviously a lot of hockey is having the ability to focus on a task before quitting but it's usually a task they believe in. what happens if they dont believe in the task. probably this specific test reveals nothing very much but it's fun for everyone involved to pretend it does, and the willingness to engage in the shared delusion that it's a meaningful activity is actually itself an important little bit of data.

[memewhore]

[youngalientype]

[important-cat-pics]

[mewnosodenwyma]

[tiktoksthataregood-ish]

[corvid-and-flowers]

@kittybroker

[kittybroker]

Tiny little baby spore worth just a tiny little 20 cents!

[phaeton-flier]

Bear religion probably fucking rocks. You're a fucking bear, you're the deadliest thing on earth, once a year an endless supply of salmon just flings itself up the river to gorge on and then you nap for 3 months.

[phaeton-flier]

The most delicious food in the world is protected by tiny demons who can defend it from everyone except you. Your natural armor is thick enough that you can just eat the damn hive while they buzz around you. God's chosen animals right there

[theaudientvoid]

[centrally-unplanned]

Regular bears tell stories of angel bears sent by the Bear God, pure white and twice as strong as any normal bear could be, who rule the summit of the Earth and kill all who stand in their path.

And they are right, those bears exist and totally do that. Humans just have fake angels as a cope.

[theabigailthorn]

love the idea of bears being the chosen species actually. having a near death experience and glimpsing heaven and realising it's just full of bears, no humans at all, humans not ensouled actually, humans an accidental byproduct of God's plan for bears

[wanderingcoasties]

“The LEGO Movie was my favorite movie of 2014, but it strikes me that the main character was male, because I feel like in our current culture, he HAD to be. The whole point of Emmett is that he’s the most boring average person in the world. It’s impossible to imagine a female character playing that role, because according to our pop culture, if she’s female she’s already SOMEthing, because she’s not male. The baseline is male. The average person is male. You can see this all over but it’s weirdly prevalent in children’s entertainment. Why are almost all of the muppets dudes, except for Miss Piggy, who’s a parody of femininity? Why do all of the Despicable Me minions, genderless blobs, have boy names? I love the story (which I read on Wikipedia) that when the director of The Brave Little Toaster cast a woman to play the toaster, one of the guys on the crew was so mad he stormed out of the room. Because he thought the toaster was a man. A TOASTER. The character is a toaster. I try to think about that when writing new characters— is there anything inherently gendered about what this character is doing? Or is it a toaster?”

— Bojack Horseman creator Raphael Bob-Waksberg commenting on how weird gendered defaults in entertainment are, and why we should think twice about them. Excerpted from this longer original post. (via 360degreesasthecrowflies)