[swordsofdecay]

where are we even supposed to buy clothes from these days. everywhere is full of absolute garbage

[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!

[utopians]

the avatar movies are crazy bc "what if colonizers literally inhabited and puppeteered the bodies of indigenous peoples in order to exploit their homeland" sounds like the premise of some sort of anticolonial horror film, like specifically the kind of thing that would be commenting on self-indigenization among white settlers, but because it's James Cameron his whole takeaway from that premise is "it would be preddy cool"

[utopians]

actually sorry. the takeaway is also "the white settler possessing an indigenous body would actually be extremely good, perhaps even The Best, at being indigenous, and he would become their Leader"

[sololangs]

everyday i mourn that my parents did not make me study five languages during my critical window of language acquisition (2 to 7 years)

[depsidase]

[tall]

[mino2aur]

no weed for me thanks i just want to cough loud as fuck with you

[kaylmao]

idk i would personally rather give up access to certain products seasonally or locally than have people enslaved to give me the ability to have any product any place any time. i think i can go without tomatoes in january.

[kaylmao]

i truly do think that most people if confronted with it and pressed on it would agree. but it's comfortable to gain privileges from someone else's suffering, especially if you don't have to see that suffering directly.

[shiveringsoldier]

The person who tweeted “y’all can’t even boycott Chick-fil-A” was right then and continues to be proven right now

[bonivers]

going on a guilt trip do yall want anything

[secondbeatsongs]

if you really cared about me you wouldn't have to ask

[thedishonestmedia]

I hope the mutuals I never talk to are doing well.

[nogodsnokingsnomasters]

Kent State University

[tiredtransgal]

“The Kent State shootings (also known as the May 4 massacre or the Kent State massacre)[3][4][5] were the shootings on May 4, 1970 of unarmed college students by members of the Ohio National Guard at Kent State University in Kent, Ohio during a mass protest against the bombing of Cambodia by United States military forces. Twenty-eight guardsmen fired approximately 67 rounds over a period of 13 seconds, killing four students and wounding nine others, one of whom suffered permanent paralysis.[6][7]”

“There was a significant national response to the shootings: hundreds of universities, colleges, and high schools closed throughout the United States due to a student strike of 4 million students,[10] and the event further affected public opinion, at an already socially contentious time, over the role of the United States in the Vietnam War.[11]”

Student strike of 4 million students! Let’s do that again lol

https://en.wikipedia.org/wiki/Kent_State_shootings

[solarpunkcast]

Don’t forget that basically half the country thought the students deserved it…

[captain-rez]

Another picture from Kent State.

But it was not just Kent State, eleven days later Mississippi Police fired 150 rounds into a dormitory at Jackson State College, killing 2 and wounding 15 black protesters.

[saurons-optometrist]

Btw half of the students killed at Kent State weren’t even protesting, they were just there

[bando--grand-scamyon]

What in the absolute fuck

[wuh2k]

When the Irish guy has known about this since he was like 8, but it’s suspiciously hard for Americans to learn about…

[depsidase]

[dailyflicks]

They called it "The Fog That Stole Souls." Widow's Bay (2026) ⇁ Episode 1: Welcome to Widow's Bay

[gasstationredhead]

i am begging everyone to tune in to widows bay on apple tv. it has it all. small island location. matthew rhys endearing try hard mayor. quirky and hilarious staff. evil fog. haunted inns. amazing comedic moments. killer clowns. boogeymen. sea hags. a dead priest. episode 4 my favorite by far. i love you patricia and i want to be your friend. my new favorite show rn

[firewalkwithmedvd]

man if you're disabled you've GOT to find some way to make your fuckass body a source of pleasure whenever you can. jacking off. eating good food. wearing soft clothes. kissing an animal on the head. whatever you can do

[rabbitscreams]

we need to invent a way to explain how deep running and pervasive and subliminal racism and antiblackness is without immediately sounding like an insane conspiracy theorist

[rabbitscreams]

female characters are always lighter than male characters. strong characters are almost always dark. aggressive characters are almost always dark. peaceful and intelligent characters are almost always light. even amongst darker characters the lightest one is usually either the leader or the girls. dark is evil and light is good.

[rabbitscreams]

if you try to explain this to a white person they look at you like youre insane

[gay-milton-quotes]

briefly pursuing a career in animation radicalized me on this. So many stories from the industry about how you have to start with your character design as dark as possible, because INEVITABLY you'll get "notes" from higher-ups asking you to make them lighter.

In a class about making a pitch bible my teacher once role-played as a shitty executive with a classmate, pressing them in intentionally abrasive ways about why they made their characters diverse. He emphasized that we had to learn to defend these things, because the racism in the industry is extremely deliberate.

[vforvalensa]

Ronald Wimberly's comic essay, Lighten Up, stays evergreen