Bubbleland

Hi, I'm Mel (they/them), I'm 29 ❤️❤️

[supernaturalbubble]

The fucking actor saying this line and clearly very nearly cracking up before it quickly cuts to Fox looking like a god on rv steps got me

[demilypyro]

[feralratbitesu]

[fish-sidekick]

immortalizing this

& more

[feralratbitesu]

[fish-sidekick]

immortalizing this

& more

[bulkhummus]

Wait is jerking it to fanfic like? Widely accepted?

critically acclaimed even

[crippy-tangerine]

"erm actually this thing you said you experienced, where doctors treated you wrong, is illegal!!" Do you understand that medical malpractice is a real thing and not just a plot device from House MD. You get that, right. Right??

[supernaturalbubble]

"erm actually because it's illegal" is such a stupid response like there aren't criminals who break laws every single second of every day

[crippy-tangerine]

"erm actually this thing you said you experienced, where doctors treated you wrong, is illegal!!" Do you understand that medical malpractice is a real thing and not just a plot device from House MD. You get that, right. Right??

[emotargaryen]

one of the tweets of all time to me

[1794]

mustard snob canon

[gay--dog]

man half of my mutuals are named some shit like Snooble at this point im doing some poob as bullshit in my life

[discount--dracula]

wbat the hell you weren't even exaggerating

[vexwerewolf]

Organised crime? Nah girl I'm into disorganised crime. If a goon doesn't have ADHD they aren't getting hired

[vexwerewolf]

Cops can't stop us if they don't know what we're doing, and they can't find out if we have no idea either

[vexwerewolf]

Nah I'm safe it wouldn't happen twice

[vexwerewolf]

Minions stop this post from reaching 1k

[lesser-robot-cat]

On it, boss! Gettin' this post to 10k, just like you said!

[throo]

Wh-what do you mean it’s from a birthday cake

[throo]

We could have been eating him

[whencartoonsruletheworld]

[mxtomituck]

[cannibalchicken]

[serethespider]

the tension between the genuine cleverness of the joke and the incompetence implied by putting it on two-sentence horror is what makes this for me

[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!

[chartreuxcatz]

Shout out to Linda. The he/him asexual woman from my psychology quiz from a few years ago

[therapatical]

queer discourse final boss

[sygol]

Hi I'm 1 years old and learning to read through your posts. Cigarette.

very good job using your words! will someone get this toddling bitch a smoke

[supernaturalbubble]

I swear to GOD i cannot find this one damn meme image. It looks like this

But with a real man. WHERE IS ITTTTT