I'd rather have money than children

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Sesquipedalian

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FLY is a story about a boy who gets a second chance. Help his story take flight June 9th 11am EST on Kickstarter. Thank you for being the wind beneath my wings I hope this story lifts the world to a brighter place.

-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.

a lot of the current rhetoric around gender reminds me of that anecdote. a lot of people are willing to go "transgender people are oppressed for their gender presentation, therefore if you're not oppressed for your gender presentation, you're not trans." but i don't think we should be defining ourselves by our suffering and oppression. what will we do, in a few years, in a few decades, as there start to be, say, adults who were supported in their transition as children? what will we do when a stereotypical trans person can genuinely say they didn't suffer hardship for being trans?

i'm afraid i know the answer. i'm afraid that people are going to close ranks as they've already started closing ranks against intersex people, against nonbinary people, against double binary people, against closeted people. as some people have started closing ranks against people who transitioned in the opposite direction from them. as many people have closed ranks against people with edge case gender experiences. "i don't consider you to be oppressed, therefore you are not welcome to share in this community you might otherwise belong in."

so many guys dressed up as grant wearing grant glasses and grant shirts and who look kinda like grant stood in a room for like an entire shootblock with this script memorized

do you think they talked??? or were they silent?? did they discuss the script or theorize about whatever the fuck is happening?? did a grant say 'i'm a new dad' just for all the other grants to go 'oh congratulations man!' and then start giving dad advice because some of them are also fathers???? how many of them are there because how many people would you need to make 'hi i'm 50' true for all of them??? when they left the room did they stream out in a crowd of grants?? do you think they made lifelong friends in that room? do you think they fell in love??? do you think one day their grandchildren will ask 'grandpas, how did you meet?' and they'll say that they met standing in a room dressed as some guy named grant and speaking identically because somehow they ended up standing next to each other and now their love story is forever immortalized in this episode???

It's very normal and common for research to be limited to a particular subgroup of the population, and in this case the research does not seek to investigate anything about binary people, including binary trans people.