Multifandom Traveler

12 WIPs in my document folder

12 WIPs in my folder

Write one down, finish and post

17 WIPs in my document folder

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Eternally yours...

So from then on whenever one of us called something problematic, he would make us talk it out until we could name the “bad” thing we were hinting at. In this particular class, 7/10 it was some type of oppression, and the remainder was like, “I’m uncomfortable because this is very new/confusing/pushing boundaries that made me feel safe.”

Once we stopped calling things “problematic” and stopping at that, class got way more interesting and... we all had to say, like, “that’s racist” or “that’s misogynistic” or “ew capitalism gross” out loud, which a lot of us had never done in a classroom before. Or we had to be like, “Uhhh... I’m not sure what’s so bad?” and confront our own beliefs and that was maybe even more useful.

Twitter thread by Melissa Caruso about a labyrinthine magical bookstore in Syracuse, NY. Link to the first tweet in the thread; most pictures have image descriptions! Now here are the screenshots of that thread:

Regarding economic coercion, that's called having a job. But also I promise you there is a world of difference between trying to buy a person (for the love of fuck will you people ever aknowledge its not only women in porn and work conditions are a concern for EVERYONE involved) and someone making a career in porn.

To help trafficked and coerced sex workers we necessarily must end the demonization of sex work or else you are giving traffickers the literal tools to force unwilling people into it!

One of my family members was sex trafficked. Her case became a part of state legal precedent because her trafficker's conviction resulted in an expanded definition of one of the terms used to define trafficking (kept vague for the sake of my family's anonymity.) You know what one of the biggest barriers was to her getting help?

The fact that everyone she reached out to saw her as a stupid meth head "whore" and not a person who was fucking afraid for her life.

-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.

 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.

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:

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.

The wound is backstory. The structure they built on top , the habits, the walls, the jokes they make to change the subject, the way they leave before they can be left, that's character. So don't show me the wound. Show me the architecture.

Sometimes we're just slow...and it can be really disheartening to see that tbh ;-;

MORE PEOPLE NEED TO HEAR THIS.

your public bookmarks are public, meaning anybody—including the author—can see what you put in a bookmark. and unless the author has specifically said the fic is abandoned, you (general you) don’t know if it’s abandoned or not. one of my favorite fic writers posted a new chapter of one of their fics after 13 years of no updates.

my point, you don’t know if a fic is abandoned just because it hasn’t been updated in years. you don’t know if the author will one day continue it. and saying “this is abandoned” just because it’s not updated regularly can be super discouraging to authors who write as their hobby and their gateway.