ya boy dizzy

am artist black dude i draw very large men taken lol

[losingmyshrimpmind]

Go my "nothing bad ever happened no one went missing Dess is at college" kriselle slop

[whokilledbone]

mattress / pinto friday week 7

i reached for my previous brush and decided to do the art in a slightly older style and rendering jeez

oh half of the summer passed sooo quickly 🥀

[thedizzfizz]

people managing to whitewash blue reminds me of this

[toastyspider]

wan wan krissy cutie 🐕

[r-of-the-parks]

[deepfrieddeltarunememes]

what if putting their faith in someone is how Kris shows love and they were just as proud of Susie and Ralsei during this part as we were

[criiitter]

WHAT? WHAT? WHAT? WHAT? WHAT? WHAT???

[wowthwtslame]

dont forget

[zazzedcoffee]

Who would win?

🐎

🦀

Voting ended onFeb 5, 2023

[zazzedcoffee]

voter fraud, GO!

🐎

🐎

Remaining time: 17001 days 17 hours

[brokenpostarchive]

Notes:

Second poll will remain open until 50 years from publishing

Bot options share a UUID, making a vote for either count for both

Previously, a vote in the first poll counted for both options in the second

A vote for the second poll increases the vote count for both polls, despite the first ostensibly being closed

[worldheritagepostorganization]

World Heritage Post

[deepfrieddeltarunememes]

I really like for this dialogue that

1. Susie doubles down that combining hands into a heart with Kris was fun even when questioned

2. Noelle still winds up happy about it with the idea that they both made a heart and pointed at it for her rather than against her

[ramsay74]

wise they them magician what do you know

[tsima-d]

don't put your fingers in cats' mouths

[localcoffeeshop]

my headcanon guilty party

[maskerat]

Vaultkeeper Cardinius [commissioned ref sheet].

If you'd like to support me, you can do so through my Ko-Fi page.

[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!

[error-404-fuck-not-found]

if you need any more information about what can go wrong and how, there's no shortage of fintech (financial technology) scandals online. One of the bigger failures in recent history was the Synapse collapse, which is worth looking into. The takeaway: when a fintech company advertises that your money is held in an FDIC-insured bank, but managed by them, what they're saying is that there are multiple responsible parties (sometimes including middlemen you were never warned about) and if the money goes missing, they can all point the finger at each other and claim it's not their fault, and so they're not responsible for getting you your money. and of course, the FDIC won't insure any of it unless the holding bank goes out of business. as far as they're concerned, if the bank says you only deposited $25 out of a $50,000 deposit, only $25 is insured. the rest is simply gone forever.

on a separate but related note, paypal TOS says they can seize your money at any time if they disagree with your politics, so jot that down and delete your paypal account immediately. (disclaimer: that's what it said a while back when i deleted mine, so if they've modified TOS to remove that clause since, i wouldn't know about it)

[bananars6]

the reveal

[gurlu]

Attack for @henno-iv !!

Be careful on the full moon ; a werewolf might come out.

Love their art style !