🍁🥀🍁

Im distraught. I cant afford another 1.5k hospital bill. Ive been through this twice with him in May, 4000 in a week on him and he did great since. Then my husband got inti a car accident and our finances were put into his recovery.

Im terrified this is lobe torsion. A horrific and random event that is always fatal unless treated surgically. Only ultrasounds will tell us. If it is, he will need prompt surgery

No one is obligated to donate but I cant do this, not alone. Im struggling and reduced my cottontail intake from 50 rabbits to just 10 to try and manage funds while saving lives.

Hey, it's Pluto again. So I tried out an advil cream for my chronic pain and had such a painful allergic reaction that a. I had to leave work 7 hours early and b. I have to go to urgent care. And that's a LOT of lost money, right before rent hits.

As the top earner for my household, it's crucial I work as much as I'm physically able, so this is gonna mess with my budget real bad. Anything you can do, whether it's donate or reblog, helps a lot in keeping me actually functioning ;w;

-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.

Let’s play the biggest game of kick the can on the internet.

thats what we call neo nazis and shitty conservative bros? or at least its what we used to call them? why are ppl calling themselves "chuds" affectionately now

what is happening

when you call yourself and your friends "chuds"

YOU

ARE

CALLING

YOURSELF

A

1. this is not from a porn site or anything. this was platformed on youtube by someone who seemingly "tries to keep the community as SFW as possible". no one will be surprised by this because the femboy self-sexualisation is so commonplace its absence is more surprising than its presence at this point

2. "princess boy" feels like a direct parallel to "lady boy". i don't need to explain why this is insanely transmisogynistic

3. the fish guy immediatly switching from "this is pretty wife" to "this is sex toy tranny" upon learning that the person isn't "an actual woman" reveals how absolutely normalized it is to view transfems as sex objects to be freely abused, always treated worse than both cis men and cis women would be

4. the femboy character's response to being promised continuous sexual violence by a group being "cool thanks" reflects how the femboy community will do one of 3 things when confronted with the real violence transfems face : completely gloss over it, turn it into a joke, or say "that's hot" and turn it into more fuel for the degradation of transfemininity through sexualisation. this somehow manages to be a bit of all 3. mainly the third though

5. it's the "trap" trope all over again. "i look like a woman but i'm actually a dude! i'm being deceitful i could never actually be a girl!" transfemininity once again treated as a costume that makes you incredibly desireable. but only as a sex object, not as a person or equal. and only if it's a costume, if you're actually transfem you're lower than dirt. hot and fuckable and lower than dirt

The lizard-creature says, "I found a pretty clan wife!" and the person interjects to say, "I'm actually a dude…"

The lizard creature corrects themself, "Found a free use princess boy!" and the person on their shoulder says, "Cool, thank you"

I have to race to sign up to volunteer trips because even with dozens of spots available, people rush to devote their unpaid free time to helping the environment. these trips often fill up within hours. people care.

you will see a lot of bad news because that is the kind of news that people pay the most attention to. I know this more than you'd think from my optimism- not only do I live somewhere facing some of the most extreme ecological issues on the planet, I also spend my time studying the Bad Stuff every single day.

#Turns out I am not a suspension bridge and should not be kept under a steady level of stress forever to function