a parliament of owls

-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.

1. ‘At this moment a cat strolled out from under the sofa and made for me with it’s tail up. Cats always do take to me, which made it all the sadder that I should be saddled with Sippy’s criminal record. I stooped to tickle it under the ear, such being my invariable policy, and the Exhibit uttered a piercing cry.

“Stop him! Stop him!”

She leaped forward, moving uncommonly well for one of her years, and having scooped up the cat, stood eying me with bitter defiance, as if daring me to start anything. Most unpleasant.

“I like cats,” I said feebly.’

2. ‘It was extremely jolly in the garden. The sun was shining, the crocuses were all to the mustard and there wasn’t a sign of Heloise Pringle anywhere. The cat was fooling about on the lawn, so I chirruped to it and it gave a low gurgle and came trotting up. I had just got it in my arms and was scratching it under the ear when there was a loud shriek from above, and there was Aunt Jane half out of the window. Dashed disturbing.’

3. ’“Well-” I began. and at this point old Cuthbert, the cat, having presumably found it a bit slow by himself in the bushes, wandered in with a matey expression on his face and jumped on my lap. I welcomed him with a good deal of cordiality. Though but a cat, he did make a sort of third at this party; and he afforded a good excuse for changing the conversation.

“Jolly birds, cats,” I said.

Last week, the Trump administration quietly released a sweeping new federal rule that would use funding threats to force institutions across the country to reject transgender people. The 400-page proposed regulation would codify the administration's anti-trans executive orders into binding federal policy, imposing a blanket prohibition on federal funds going toward "gender ideology"

The proposed rule, formally titled "Regulation for Federal Financial Assistance," rewrites the government-wide framework governing all federal grants across every agency. Among its most consequential provisions, it requires that before a federal grant recipient can receive money, the award must pass a "pre-issuance review" conducted by a political appointee—not a career expert or peer reviewer—to ensure it is "consistent with applicable law, Federal agency priorities, and the national interest." The regulation explicitly instructs these appointees to screen for "denial by the recipient of the sex binary in humans or the notion that sex is a chosen or mutable characteristic." [...] An institution that acknowledges transgender people exist—through its policies, its training, its healthcare, its bathroom access, its HR procedures, its name-change processes—could be deemed to "deny the sex binary" or to “support the notion that sex is mutable” and have its federal funding blocked.

This torches everything. And I do mean everything.

A very abbreviated list of its ramifications include (but are not limited to):

ending funding for ALL DEI related initiatives

allowing the government to terminate grants at any point for any reason

preventing researchers from publishing, going to conferences, and being part of academic societies

requiring that topics must support the president’s agenda.

What this means, and if anything I’m under selling it, is the death of science and research in America. It allows the government to restrict any topic they please at a whims notice, putting officials who have no background in the topic in charge of deciding funding continuity. It controls what gets researched and if/how researchers are allowed to share their discoveries. There are no books to burn if the government never allows them to be written. This is fascism plain and simple.

Public comments are not a vote, it is a chance for you to say "here is an issue with this law I think you need to address" and provide justification for legal challenges if it goes forward:

"Comments raise the bar that agencies have to meet when making a rule; “if an agency fails to adequately respond to significant, relevant comments in a final rule, members of the public may seek to challenge the rule in court on that basis and claim it could be struck down.ˮ"

This year’s is different. They are now federal REQUIREMENTS, which means there’s no flexibility. As was said previously, the 400 pages are not singularly devoted to being absolute shitheads to trans people. Theres a lot of stuff in there, some of which is the standard dry boring grants stuff, some of which is the horrible ideological warfare outlined above.

This document is issued by the OMB, the Office of Management and Budget, which is currently lead by fucking Russell Vought, the principal architect of Project 2025. This is how they’re going to implement all the horrible shit in there that wasn’t covered by Executive Order. Russell Vought is actively coming for my job, my marriage, and my kid, and most of my friends lost their jobs last year because of him. He is the fucking arch villain behind the heinous shit the current regime is doing.

She got the idea for the study while walking with her advisor at Stanford to discuss her thesis topic, and the paper she eventually published in the Journal of Experimental Psychology in 2014 is sharp enough that it should have ended the seated meeting on the day it came out.

She ran 4 experiments on 176 people. Same person tested twice. Once sitting, once walking. The creativity tasks were the standard ones psychologists have used for decades to measure how good a brain is at generating novel useful ideas.

81% of participants in the first experiment produced more creative ideas while walking than while sitting. In the second experiment, 88%. In the third, 100%. Every single person walked into a more creative version of themselves. On average, people generated 60% more novel useful ideas the moment their legs started moving.

The skeptical question is the obvious one. Maybe it was the fresh air. Maybe it was the scenery passing by. Maybe it was the change of environment doing the work, not the walking itself.

Oppezzo killed every one of those explanations with one experimental decision. She put people on a treadmill facing a blank wall. No scenery. No fresh air. No environmental change. Just legs moving in place while staring at white drywall. The 60% boost held.

Then she ran the experiment that closed the case completely. She took participants outside in two conditions. Half of them walked through a Stanford courtyard. The other half were pushed through the exact same courtyard in a wheelchair. Same outdoor stimulation. Same scenery passing at the same speed. The only difference was whether the legs were moving.

The walkers produced dramatically more novel high-quality ideas than the wheelchair group. The outdoors did almost nothing on its own. The walking did everything.

She also tested the opposite kind of thinking. Convergent thinking. The kind where there is one right answer and you have to narrow down to it. Word puzzles where 3 words share a hidden fourth word that connects them. The seated participants did slightly better on these. Walkers got slightly worse.

Walking is not a general intelligence enhancer. It does one specific thing. It opens up the divergent search inside your brain. The part that generates options. The part that produces unexpected connections. The part that takes a problem and finds five ways into it instead of one.

When you need to converge on the single right answer, sit down. When you need to find the answer in the first place, get up.

The mechanism is now well understood. Walking selectively activates what neuroscientists call the default mode network, the system inside your brain that runs when you are not consciously focused on anything. The DMN is where mind-wandering happens. Where memories cross-reference each other. Where ideas that have been sitting in separate folders inside your head finally bump into each other.

When you sit at a desk and force yourself to concentrate, you suppress the DMN. When you walk at a natural pace, the executive part of your brain gets just busy enough handling the walking that the DMN comes online and starts doing the work that focus was blocking.

The most useful finding in the entire paper is the one almost nobody quotes. The boost did not turn off the moment people stopped walking. Participants who walked first and then sat back down stayed elevated. Their next round of seated creativity work was still significantly better than people who had been sitting the whole time. The rest lingered for at least several minutes after the legs stopped moving.

You do not need to do creative work while walking. You need to walk before the creative work. The brain holds the state.

-but my house has a porch on the second story that affords me a terrific view of my neighborhood and the Colorado Front Range and I was partaking of some peace before the 4th Of July Finger-Loss Festivities begin, and I have had a

~*Spiritual Experience*~

I just watched my neighbor try to unload an actual wooden pallet that had to have been forklifted into the back of his insecurity pickup worth of fireworks.

Except that he does not have a forklift in his garage.

He does have so much sports memorabilia and cardboard boxes of unsold MLM Merchandise and patriotically themed camping gear and posters of women in bikinis and flags of suspect political organizations in his garage that there is only BARELY enough space for the fireworks and certainly none for his truck.

So he had to unload the individual boxes of recreational explosives from the back of his truck and stack them in the minimal space he had cleared by hand. This is a tedious and time-consuming process as this neighbor has purchased a wide variety of recreational and locally illegal explosives instead of many of just a few types, so the individual boxes are rather small.

He begins, and this is crucial to what happens next, by cutting apart the industrial-grade saran wrap his explosives dealer had so carefully wrapped his merchandise in, and discarded it unsecured on his lawn.

Where Outdoor Conditions sometimes happen.

You guys are gonna wanna see this