Putting the Man in Necromancer

This is the control room, and if you look closely, you'll see a dark stripe in the carpet running the perimeter of the room. This was referred to as the "velvet rope," and absolutely NO ONE was allowed to cross it without authorization. It was under constant observation from an adjacent office, and I was told that if someone did set foot inside without permission, things got VERY serious VERY quickly.

This is one of the computer stations, and to me, it's such a gorgeous encapsulation of its period of technology, the sort of aesthetic that shows like Lost will bend over backwards to recreate.

As I was scouting, I noticed the day calendar had last been torn off about when the plant closed for good...

Then we went into the nuclear reactor, and the whole damn thing was just so spooky.

Looking back, I think it came from an overwhelming feeling of utter insignificance in the face of the sheer power this colossus was designed to produce.

The scale was just so out of proportion to every day reality, the sort of place where a weight of "46000 LBS" is just casually noted on the side of a part.

Peering into where the core would've been, all I could think is that I'd never want the job where you have to climb down that ladder on the left while this thing was in operation.

If you're interested in seeing more, you can find my full tour here!

https://nickcarr.com/scouting-a-decommissioned-nuclear-power-plant/

Right as I wake up there’s a nurse there who hustles over and says he’s glad he saw me wake up and tells me he’s giving me some pain meds and then he gives me IV Fentanyl and so I go from like “Ow ow ow ow awake awake awake” to “ooooooh fuck I’m floating on clouds made of rainbows” in like 6 seconds and so I was pretty out of it. The hospital had all the recently-post op patients all in one big-ass room, and they see patients for ALL sorts of surgeries, so I was next to an old guy who got his knee replaced on one side and some young 30-something dude with some kind of mechanism on his leg. So I asked him what happened since I was high as fuck and feeling kind as a result, and he said he broke his leg hiking off-trail when his leg went down a literal rabbit hole and snapped his shinbone. I say something like “damn dude that blowssssss” while giggling because I’m high as FUCK on actual fentanyl and he’s like “Yeah, for real, I’m feeling great right now though! What about you? What are you in here for?”

And I fully was not thinking like a person, I was thinking like a fentanyl-addled tgirl so I just go “Oh, haha, they cut my dick off!”

-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.

All the favorite bugs you shared with me

Thanks for sharing your favorite bugs with me!