DutifullyDefendingTheGalaxy

Ok, I just finished the Biker!J/7 that some people here wanted to see done. 

This has been a real pain so I hope that you all like it.

….

Do not use without permission

-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.

Trump claimed executive privilege and was denied 5 times in court. The BBC now is arguing in court that since there was no executive privilege, they want those records unsealed, likely to look at Trump's ties to J6, thereby disproving Trump's claims of defamation. Yep, they've asked for Jack Smith's grand jury testimony to be unsealed.

Trump must already hand over his detailed financial records, opening the door for the BBC to examine more than 400 companies tied to Trump's family trust.

Oh hey pals, new AO3 scam just hit!

Just like the tumblr scam where they pretend to be "the support team" this is also a scam.

I edited out the link because I GUARANTEE if you go to it you will get your computer hacked and your AO3 or discord account stolen.

I am so mad because I got this 30 seconds after posting a new fic.

DO NOT FALL FOR THESE SCAMS.

No legitimate website support will EVER contact you like this!

GO OFF BESTIE

A friend of a friend won a free consultation with Clinton Kelly of What Not To Wear, and she was very excited, because she has a plus-size body, and wanted some tips on how to make the most of her wardrobe in a fashion culture which deliberately puts her body at a disadvantage.

Her first question for him was this: how do celebrities make a plain white t-shirt and a pair of weekend jeans look chic?  She always assumed it was because so many celebrities have, by nature or by design, very slender frames, and because they can afford very expensive clothing.  But when she watched What Not To Wear, she noticed that women of all sizes ended up in cute clothes that really fit their bodies and looked great.  She had tried to apply some guidelines from the show into her own wardrobe, but with only mixed success.  So - what gives?

His answer was that everything you will ever see on a celebrity’s body, including their outfits when they’re out and about and they just get caught by a paparazzo, has been tailored, and the same goes for everything on What Not To Wear.  Jeans, blazers, dresses - everything right down to plain t-shirts and camisoles.  He pointed out that historically, up until the last few generations, the vast majority of people either made their own clothing or had their clothing made by tailors and seamstresses.  You had your clothing made to accommodate the measurements of your individual body, and then you moved the fuck on.  Nothing on the show or in People magazine is off the rack and unaltered.  He said that what they do is ignore the actual size numbers on the tags, find something that fits an individual’s widest place, and then have it completely altered to fit.  That’s how celebrities have jeans that magically fit them all over, and the rest of us chumps can’t ever find a pair that doesn’t gape here or ride up or slouch down or have about four yards of extra fabric here and there.

I knew that having dresses and blazers altered was probably something they were doing, but to me, having alterations done generally means having my jeans hemmed and then simply living with the fact that I will always be adjusting my clothing while I’m wearing it because I have curves from here to ya-ya, some things don’t fit right, and the world is just unfair that way.  I didn’t think that having everything tailored was something that people did. 

It’s so obvious, I can’t believe I didn’t know this.  But no one ever told me.  I was told about bikini season and dieting and targeting your “problem areas” and avoiding horizontal stripes.  No one told me that Jennifer Aniston is out there wearing a bigger size of Ralph Lauren t-shirt and having it altered to fit her.

I sat there after I was told this story, and I really thought about how hard I have worked not to care about the number or the letter on the tag of my clothes, how hard I have tried to just love my body the way it is, and where I’ve succeeded and failed.  I thought about all the times I’ve stood in a fitting room and stared up at the lights and bit my lip so hard it bled, just to keep myself from crying about how nothing fits the way it’s supposed to.  No one told me that it wasn’t supposed to.  I guess I just didn’t know.  I was too busy thinking that I was the one that didn’t fit.

I thought about that, and about all the other girls and women out there whose proportions are “wrong,” who can’t find a good pair of work trousers, who can’t fill a sweater, who feel excluded and freakish and sad and frustrated because they have to go up a size, when really the size doesn’t mean anything and it never, ever did, and this is just another bullshit thing thrown in your path to make you feel shitty about yourself.

I thought about all of that, and then I thought that in elementary school, there should be a class for girls where they sit you down and tell you this stuff before you waste years of your life feeling like someone put you together wrong.

It can also be found on Google Drive here and on Bluesky here.