Copics and a House full of ghosts @valorousowl - Tumblr Blog

It's my birth month so I'm running a short sale! For the month of April, I'm doing flat commissions for $15 USD! DM me Here or on Discord if interested!

vaalthus

The Plain Truth (spoilers)

I'd be curious to hear what those in the Plains would think of a story of a dragon blocking all semblance of light.

Damn if that ain't the truth.

This isn't too surprising to be honest. The Shadowscythe and forces of doom like to operate from the shadows, pun-intended, so it only makes sense if a good portion of the Plains rarely ever hear about them, save perhaps those from the Darkness Plains. As it stands now, I imagine they're still in the coalescing phase of their schemes. While they amass power and forces, they'll actively operate covertly against their enemies.

Ashen? As in the Fire Plains? Or as in someplace that's a mix between fire and earth? My gut says the former and yet...

On a different note, is the Ashen Kingdom using the Kinnaran as hired muscle or are they being hired by another party to take the water crystals? Either way, it's a shame that this seems to be what Kinnar's people have been reduced to on a grand scale when the peace their accord achieved cease to last.

Bet you ten gold pieces she tries to imprison us thinking we kidnapped Mihyun and are manipulating her to our own benefit.

Not a single word spoken and you can already tell how they introduced themselves

Notha: "Hi"

Uaanta: "Well met"

Myalos: "Greetings"

I'm loving Notha's giddiness over all this new information. It's weirdly infectious.

Ah so I was wrong about the incursion having come from the Plane of Water previously controlled by Neso. Rather interesting to hear that Hyonix quarreled with Neso but not all that surprising. While the Great Dragons were all forged to uphold the balance and protect their respective planes in the wake of the twin's absence, it's clear they possess their own autonomy to go against the wishes and whims of their creators as we can assume with Akriloth and as we know to be the case with Draco.

Though it does beg the question, as to why Neso and Hyonix were feuding to begin with. If this was around the same time Kathool broke free, then perhaps they were fighting over what to do about the water elves that had been enthralled by the Primordial but if not I'm not sure what they could have been fighting over.

Either way, welcome back to the Elemental Plains, Loreians!!!

bitchesgetriches

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!

sabertoothwalrus

I’m so proud of senshi for making it so far in the tumblr sexyman poll. I think it’s so beautiful that tumblr has reached a point where a short fat hairy bearded man is the pinnacle of sexuality for a large swath of this userbase. it’s like when you see before & after pictures of a rainforest recovering from deforestation. nature is healing and we can fight god

sabertoothwalrus

I hope he wins so someone will have to explain to ryoko kui what a tumblr sexyman is

ailithnight

sabertoothwalrus

I have to say I forgot the onceler’s thing was cutting down trees when I made my metaphor.

sabertoothwalrus

the forest is also a metaphor for his bush

sabertoothwalrus

how does this post have almost 20k notes and senshi isn’t even winning. the poll is not over he needs your help!!!!!! do it for the fat boys

valorousowl

@sabertoothwalrus hey, just a reminder, Ryoko Kui posted primarily on Tumblr years ago. Ryoko Kui is one of us. She already knows.

teaboot

"Oh yeah, we have an outdoor Corgi, he just gets so bored cooped up inside all day. He knows to stay off the road. Don't worry, he's way too smart for coyotes and the neighbor's know to look out when they drive past."

"Us? Oh, of *course* our Dachshund sleeps inside- we just let him out in the morning and make sure he comes back for dinner. He just does his own thing, no worries."

"Um, you know it's not humane to keep a chihuahua confined to an apartment? They're dogs, they're natural predators. They need to experience hunting behaviors or they get depressed. No we don't leash ours, he absolutely hates it, we just let him come and go whenever."

Yall get how fucking stupid that sounds, right? So stop letting your goddamn cats get eaten and attacked and infected and hit by cars

A toddler would probably love full unattended access to the neighborhood too, but we don't do that either, do we

It's 2026, "keep your damn pet in a house or in your view" should not be controversial

angel-stars

I had to go on a hunt for this but it was worth it. 100% agree

lizardlicks

Whereever possible, everyone needs to stop using apps. I'm not being hyperbolic, here; uninstall every app that you can from your device and start navigating pages with whatever mobile browser you prefer that will allow ublock origin.

multiple times just this week, let alone in the past recent months and years, I've had different friends reporting all sorts of apps either insidious new "features" designed to stunt and funnel your attention even further, or being straight up broken. The problem is not going to go away. it's only going to get worse.

Youtube, tumblr and bsky in specific are so much more functional in browser, especially if you pair with sponsor block for youtube. Facebook and twitter, if you use those, are perfectly serviceable, even if they try to prompt you to switch to the apps every so often. insta idk I've never tried, but it's gotta be better than wtf ever is going on in the app.

stop eating your phone space with bloated busted apps that barely function, there is a better way, I promise you.