Doing My Bestpacito

Aro and ace activism is healthcare reform, so that no one needs to rely on a spouse for health insurance, so that healthcare is available to everybody regardless of income, so that no one’s lived experiences or basic dignity are dismissed or overridden by doctors

Aro and ace activism is well-funded and expansive public transit, so that you don’t need to have someone on hand to drive you places if you are incapacitated, so that you don’t have to pay for an ambulance if you need to get to the hospital quickly

Aro and ace activism is disability and elder care services, so that no one needs a spouse to care for them, so that no one needs children to care for them, so that marriage is not a bind for disabled people, so that people on disability who want to and can live alone can

Aro and ace activism is community-building, it’s public events, it’s free social activities, it’s mutual aid, it’s activities that bring community members together without socializing relying on just a romantic partner

Aro and ace activism is developing a culture of believing when people tell you who they are and what they want rather than assuming you know them better than they know themselves

Source

workers got back less than was stolen,

the company didn’t have to admit wrongdoing, and

Each year, well over $15 billion is stolen from workers by their employers (note that this is a conservative figure compared to the infographic, but still huge) - each year, less than 3% of that total is recovered for those same workers.

Employers steal their workers’ wages in a variety of ways:

Paying less than the minimum wage.

Not paying overtime or misclassifying workers as “exempt” from overtime pay.

Not paying workers for all hours worked.

Taking illegal deductions from workers’ paychecks.

Not paying the prevailing wage in government contracting.

Automatically deducting for breaks that workers don’t get.

Stealing workers’ tips.

Not paying workers’ last paychecks.

any ideas as to why police spend 99999× more effort on punishing all the relatively minor forms of theft than they do on the most atrocious one perpetrated by bosses and rich corporations?

They have a Global Device Identifier (GDID) Tracker that functions as a fingerprint for your PC that can surpass VPNs, proxy servers and countries. Although it can't survive a clean reinstall of Windows (it can survive updates), because Microsoft forces you to go to the internet and log in into a Microsoft account, they will be able to get to you.

Microsoft kept it secret and it was only found out when the FBI tracked a hacker thanks to the information Microsoft gave them.

You should be paying attention to this, and possibly consider moving away from Windows. If a government, especially the US government, doesn't like you for some reason, this could be seriously concerning.

This article specifically notes:

For journalism, activism, or domestic abuse situations, skip Windows and use Linux routed through Tor instead of a commercial VPN. A GDID doesn’t care which VPN you use, only that it’s still the same Windows installation.

Other important quotes:

What has researchers uneasy is everything else the case reveals. Costin Raiu, a well-known malware researcher, asked on the Three Buddy Problem podcast how much of this exists on other platforms, and whether it is linked more permanently to hardware. Matthew Hickey, another security researcher, called Windows “surveillance software”.

Two things back that up:

There’s no consent screen. A GDID gets assigned when you sign into a Microsoft Account. Apple’s advertising identifier needs an App Tracking Transparency prompt and a visible reset; Android’s works the same way. GDID has neither, and a Windows reinstall only gets you a new number Microsoft can still get back to the same account.

-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.