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Do what makes you comfortable in your environment. Just don’t be a dick.
Most major corporations — from airlines to social media platforms — now aspire to become unregulated banks. Bankification today accounts for
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.
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.
FYI this is what the logo looks like and Apple Cash is FDIC insured.
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:
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.
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!
Holy fuck
This works best if you keep windows closed.
Another design is using 2 20x25x1 filters, taping them to the sides of the box fan and then to each other so they sort of make a triangle, then cutting cardboard to make a top and bottom to the triangle.
This was discovered as a more effective design during the 2020 US west coast fires.
https://tombuildsstuff.blogspot.com/2013/06/better-box-fan-air-purifier.html
A better more efficient and odor eliminating homemade air purifier than just taping a 20x20x1 filter to a box fan. Sometimes you need to
If you live on the west coast of the United States, fire season is coming and this is vital.
We’ve been using one, and they’re great. Might try to make the double filter version this year.
theyve been doing a bunch of studies on this during the pandemic and this design is best! 4 filters and a shroud to optimize flow rate.
Corsi-Rosenthal Cube
https://encycla.com/Corsi-Rosenthal_Cube
I’ve personally used both the flat single-filter version AND the triangular two-filter version, and based on subjective personal experience I would argue that the benefits from the second filter, both in terms of airflow and filtration, are absolutely worth it. If you need a makeshift air filter and you have two filters to work with, build the triangle (if not the box, i have no idea how good that one works but based on the info here i presume it’s a fair bit better.)
This trick works. We use it in my house.
If anyone wants aesthetic inspo or design ideas check R/CrBoxes
“What if poor people abuse the system?”
The system intrinsically abuses poor people.
Hope this helps.
"What if poor people abuse the system?"
Rich people abuse the system far more and out of pure greed, not necessity or desperation so idrc about that
"what if poor people abuse the system?"
The cumulative amount of money lost* to abuse will never be high enough to justify the salary and infrastructure of surveillance needed to avoid that abuse.
Even if you don't care about people and only want the economically sound solution, nothing will ever be more efficient use of money than helping people.
( * depending on your definition of lost, sometimes the "abuse" is just not following the rules because the rules don't help people enough. If the money taken "abusively" helps people to live, it's not lost.)
(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.
This should be illegal on so many different counts, and in so many ways.
This is why us Tinfoils keep yelling at you complying sheep to STOP connecting all your devices and personal info, STOP paying with your phone, STOP carrying your phone everywhere you go every second of your life, STOP complying with every demand that invades your privacy/anonymity.
YOU CAN HAVE CONVENIENCE
OR YOU CAN HAVE PRIVACY/SECURITY
YOU CANNOT HAVE BOTH
[Image ID: The Destiel confession meme edited so that Dean answers 'JK Rowling posted upskirt photos of a woman on Twitter' to Cas 'I love you'. /End ID]
No one doing this should be allowed to call themselves a feminist.
The wealthy author escalated a social media spat that resulted in posting a photo from a 2023 event at the Institute of Economic Affairs in
Let's not beat around the bush: Children's author JK Rowling sexually harassed someone. In some jurisdictions, this would count as sexual abuse. JK Rowling has committed a sex crime against a woman and fell back on the old rape apologist standby of "she was asking for it".
I hope your nostalgia is worth it
sometimes i see fan art and i'm like NO WAY IN HELL WOULD THEY HAVE THAT LITTLE BODY FAT AND HAIR. NO WAY IN HELL WOULD THEY BE WAXED AND CUT LIKE A DEHYDRATED MODEL. GIVE THAT WOMAN/ENBY/MAN SOME CHUB AND FUZZ PLEASE!!!!!
Catching feelings. 💕🚬
person just walked into my job and said, "oh! i've seen a lot of people in masks lately. there's not something going around is there?"
baby there is always something going around
like even if we ignore covid & the flu, which is what most people mean when they ask this sort of thing, that is just the nature of human history. there's many other things you can "get" and any of them can cause permanent injury. we are SO lax about "stomach flu" but getting norovirus multiple times is Not Good.
luckily we have power to lessen the risks, even if you're unwilling to mask. Such steps include: Washing your hands.
everyone get more educated about public health NOW.
A diagram comparing a human hand to the equivalent limb in other mammals from Henry Fairfield Osborn's The age of mammals in Europe, Asia and North America (1910).
Full text here.
This is the 85 year old creator of Roger Rabbit:
Collins is gone.
Namaygoosisagagun First Nation/Collins has burned to the ground. The entire community is nothing but ashes after being quickly consumed by wildfires. They did not have any support from emergency services, and no one offered aid. The community saved themselves by escaping into boats because no one came.
Mishkeegogamang and Cat Lake have lost power. Families are ending up in shelters with nothing. Armstrong, Lac La Croix, Whitesand, Gull Bay, Lac des Mille Lacs are currently in the fires path and all members are being evacuated.
All this loss, all this devastation, and it was entirely preventable.
After steadily underfunding wildland firefighting and purposefully excluding Indigenous wildland firefighters and Indigenous wildfire organizations from wildfire operations, firefighter training, decisionmaking, and resource exchanges, in 2025, Doug Ford slashed the forest firefighting budget.
It's hard to ignore his decision to cut funding and leave us out of adequate fire training (even though we've lived with forest fires for thousands of years—far longer than settlers have been in Canada—and made sure fires like the ones we're all seeing today were prevented through kinisitotēn) when, despite making up less than 5% of the population, we account for 42% percent of all wildfire evacuations in Canada.
And when we are successfully evacuated, we face discrimination and racism—like Kashechewan—because it's always been easier to blame us than it is to blame the true culprit: denialism, corportate greed, and colonization.
The people of Collins and every other impacted community deserve better.
Right now, the AFN is currently accepting donations to help Collins First Nation. If you're able to, please consider donating.
ONWA (Ontario Native Women's Association) is another great place to donate to. They have outreach vans going to motels and inns and offering food, water, resources, and cultural support to those impacted by the wildfires.
Other places to consider donating to are Mikinakoos Emergency Fund, Red Cross, True North Aid, Indigenous Climate Action. You can also send donations directly to Whitesand First Nation via e-transfer ([email protected]) and they request that you add your full name in the e-transfer comment section to receive a tax receipt.
*Before sending money, verify that the appeal appears on an official First Nation, Tribal Council or registered charity channel.
If you can't offer financial support, please consider donating items of need. Moontime Connections is currently accepting drop-off donations. If you live in the Thunder Bay area, Namaygoosisagagun Health Office is also taking in donations! They can also bemailed to Superior Inn Hotel & Conference Centre at 555 West Arthur Street, Thunder Bay, ON, P7E 5P8.
items needed are: food, diapers, medical masks, men’s and women’s joggers (all sizes), children’s clothing (newborn to size 14), children’s shoes, summer clothing, men’s clothing, toiletries (lotion, Vaseline, toothpaste, toothbrushes, shampoo, conditioner, soap, deodorant, etc.), strollers, adult depends-all sizes, dog & cat food
wīya ispīh iyiniw-kiskīyihtamowin pasikōpayiki kāwi askiy ta-iyihyīmakan
to fallout 4's immense discredit in the matter, its decision to mandatorily define all female player characters as lawyers who married a soldier puts it behind literal fallout 1 on "does the female character feel like you're the punchline to a joke"
to elaborate on that a bit, it's actually toothgrittingly misogynistic that they contrived a scenario where there are two player characters and one of them was clearly conceptualised as The Wife of the Male Player Character, while the other was made as a character first. it's remarkable they managed to do that in a game with a character creator and no mechanical distinction between genders