Make your nightmare my dream come true.

here are some articles about the ties between the CIA and the creative writing MFA system and american literature esp in how it relates to the iowa writers workshop

1. The FBI's Famous Cases & Criminals archive (fbi.gov/history/famous-cases) has detailed breakdowns of real fraud cases, Ponzi schemes, and confidence operations. The language they use is clinical and precise, which is perfect for getting the procedural details right.

2. The FTC Consumer Sentinel Network publishes annual reports on the most common fraud tactics in the US. Great for understanding how modern scams actually work and what makes people fall for them.

3. The Smithsonian's American Art Museum has a free digital collection of forgery case studies. If your character forges documents or art, this is gold.

4. Court Listener (courtlistener.com) is a free legal database where you can read actual court transcripts from fraud trials. Want to know how a real con artist talks under oath? This is where you find out.

5. The Internet Archive's collection of old newspaper crime sections. Search for "confidence man" or "swindle" in papers from the 1920s through 1960s and you'll find incredible real stories that would feel too dramatic for fiction.

Bonus: The Psychology of Fraud section on the Association for Psychological Science website has accessible articles about why people trust, how deception works cognitively, and what makes someone a convincing liar. Essential reading if you want your con artist characters to feel psychologically real.

FISTS YOU

“You ever hear the one about The Ferryman?” Norm asked.

“Not for a long time.” Lucy told him.

“He’s the demon who takes people on his boat to Hell. He looks like death itself.” 

“Why would there need to be someone to take people to Hell? You die, and if you were bad, you go to Hell, and if you were good, you go to Heaven. There are no stories about a wagoner who takes people to Heaven.” 

Norm rolled his eyes at his sister’s lack of imagination. 

“He doesn’t take the dead there. He takes people who want to make a trade.” 

“Trade for what?” Lucy asked

“Souls.”

-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.

Another design is using 2 20x25x1 filters, taping them to the sides of the box fan and then to each other so they sort of make a triangle, then cutting cardboard to make a top and bottom to the triangle.

This was discovered as a more effective design during the 2020 US west coast fires.

https://tombuildsstuff.blogspot.com/2013/06/better-box-fan-air-purifier.html

The system intrinsically abuses poor people.

The cumulative amount of money lost* to abuse will never be high enough to justify the salary and infrastructure of surveillance needed to avoid that abuse.

Even if you don't care about people and only want the economically sound solution, nothing will ever be more efficient use of money than helping people.

(via bsky)

In case anyone hasn't heard, the cyclospora outbreak affecting tons of people in the US right now is coming from Taylor Farms produce. Best to stay away from bagged lettuce and prepared salads completely right now, but especially the ones mentioned in the screenshot:

Taylor Farms Earthbound Farms Little Salad Bar (Aldi) Marketside (Walmart) Kroger House Brand Target private label greens Costco salads and greens etc Trader Joe's chopped salad kits and fresh produce Fast food: McDonalds, Taco Bell, (Yum! Brands), Chipotle, Subway, Pizza Hut, KFC, Olive Garden, Top Golf, Red Lobster, Burger King, etc.

This is not the first time I've heard about a Taylor Farms foodborne illness outbreak. I stopped eating their salads after reading a description of the conditions in their facilities. Doesn't sound like they've improved anything.

YOU CAN HAVE CONVENIENCE

OR YOU CAN HAVE PRIVACY/SECURITY