Writing Shenanigans✨

-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.

they perform as well as expensive HEPA air cleaners, and are comparatively VERY inexpensive. all you need is a box fan, 4 air filters, a piece of cardboard, and some duct tape!!!!

"Have you made any progress?”

“How close are you to being done?”

Married the love of my life at 50.

Got my Class A CDL at 59.

You've got time.

I opened Word yesterday to discover that it now contains CoPilot. It follows you as you type and if you have a personal Microsoft 365 account, you can't turn it off. You will be given 60 AI credits per month and you can't opt out of it.

The only way to banish it is to revert to an earlier version of Office. There is lot of conflicting information and overly complex guides out there, so I thought I'd share the simplest way I found.

How to revert back to an old version of Office that does not have CoPilot

This is fairly simple, thankfully, presuming everything is in the default locations. If not you'll need to adjust the below for where you have things saved.

Click the Windows Button and S to bring up the search box, then type cmd. It will bring up the command prompt as an option. Run it as an administrator.

Paste this into the box at the cursor: cd "\Program Files\Common Files\microsoft shared\ClickToRun"

Hit Enter

Then paste this into the box at the cursor: officec2rclient.exe /update user updatetoversion=16.0.17726.20160

Hit enter and wait while it downloads and installs.

VERY IMPORTANT. Once it's done, open Word, go to File, Account (bottom left), and you'll see a box on the right that says Microsoft 365 updates. Click the box and change the drop down to Disable Updates.

This will roll you back to build 17726.20160, from July 2024, which does not have CoPilot, and prevent it from being installed.

If you want a different build, you can see them all listed here. You will need to change the 17726.20160 at step 4 to whatever build number you want.

This is not a perfect fix, because while it removes CoPilot, it also stops you receiving security updates and bug fixes.

Switching from Office to LibreOffice

At this point, I'm giving up on Microsoft Office/Word. After trying a few different options, I've switched to LibreOffice.

You can download it here for free: https://www.libreoffice.org/

If you like the look of Word, these tutorials show you how to get that look:

www.howtogeek.com/788591/how-to-make-libreoffice-look-like-microsoft-office/

www.debugpoint.com/libreoffice-like-microsoft-office/

If you've been using Word for awhile, chances are you have a significant custom dictionary. You can add it to LibreOffice following these steps.

First, get your dictionary from Microsoft

Go to Manage your Microsoft 365 account: account.microsoft.com.

One you're logged in, scroll down to Privacy, click it and go to the Privacy dashboard.

Scroll down to Spelling and Text. Click into it and scroll past all the words to download your custom dictionary. It will save it as a CSV file.

Open the file you just downloaded and copy the words.

Open Notepad and paste in the words. Save it as a text file and give it a meaningful name (I went with FromWord).

Next, add it to LibreOffice

Open LibreOffice.

Go to Tools in the menu bar, then Options. It will open a new window.

Find Languages and Locales in the left menu, click it, then click on Writing aids.

You'll see User-defined dictionaries. Click New to the right of the box and give it a meaningful name (mine is FromWord).

Hit Apply, then Okay, then exit LibreOffice.

Open Windows Explorer and go to C:\Users\[YourUserName]\AppData\Roaming\LibreOffice\4\user\wordbook and you will see the new dictionary you created. (If you can't see the AppData folder, you will need to show hidden files by ticking the box in the View menu.)

Open it in Notepad by right clicking and choosing 'open with', then pick Notepad from the options.

Open the text file you created at step 5 in 'get your dictionary from Microsoft', copy the words and paste them into your new custom dictionary UNDER the dotted line.

Save and close.

Reopen LibreOffice. Go to Tools, Options, Languages and Locales, Writing aids and make sure the box next to the new dictionary is ticked.

If you use LIbreOffice on multiple machines, you'll need to do this for each machine.

I LIKE it

someone else might LIKE it

it is FUN to do

I get those THOUGHTS out of my head

it's fun to look BACK on

have I mentioned it's FUN?

it's CATHARTIC

it's nice to see what I CAN DO