Not all those who wander are lost

Guys. Guys guys guys guys guys.

THIS IS WHY YOUR VOTE REALLY DOES MATTER. If fucking KANSAS can succeed like this, so can the rest of us.

Vote in your referrendums. Vote in your primaries. Vote in the elctions.

In a closed primary.

The ONLY thing that wasn’t a party primary on the ballot was the abortion issue.

336,000 people showed up solely to vote on that.

As of Jan 26, 2022, the Biden Administration CFPB (Consumer Financial Protection Bureau) is bringing the hammer down on junk fees. This is more than just bank fees - this is going after the junk fees on things like prepaid cards, loans, bank transfers, credit card late fees, even closing costs on a mortgage.

The CFPB needs public comments, like the opinions of real people who are affected by these fees, to build a case about telling financial organizations that THEY CAN'T CHARGE THEM ANYMORE.

The CFPB says it’s particularly interested in hearing from older and lower-income consumers, students, service members and people of color.

There's some good detail about the comments in this investopedia article. The easiest way to comment is to send an email to [email protected]. Include Docket No. CFPB-2022-0003 in the subject line of the message.

Note that these are public comments. They will be published online through the CFPB website. Don't include account numbers, social security numbers, or full names. Tell a story - tell about the time you overdrew your account by $1.23 and the bank took $35. Tell about how you signed up for a credit card and the company charged you a bunch of fees you didn't even know about. Tell about how you transferred money from your savings account to a checking account and the bank charged you $2.50.

These junk fees are a slap in the face of ordinary people who can't refuse to pay, and the CFBP is taking aim at the banks that charge them. To read what CFPB director Rohit Chopra had to say about this call to action, click here.

FUCKING YES!!!!!!

Y'all know the hole I just asked your help digging me out of like, literally last week?

THAT HOLE WOULD NOT HAVE EXISTED WITHOUT PREDATORY FEES LIKE THIS

ADDRESSES: You may submit comments, identified by Docket No. CFPB-2022-0003, by any of the following methods:

• Electronic: http://www.regulations.gov. Follow the instructions for submitting comments.

• Email: [email protected]. Include Docket No. CFPB-2022-0003 in the subject line of the message.

• Mail/Hand Delivery/Courier: Comment Intake —Fee Assessment, Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. Please note that due to circumstances associated with the COVID-19 pandemic, the CFPB discourages the submission of comments by hand delivery, mail, or courier.

Unlike Congress, where sometimes your call or email about a policy goes into the void, every single comment about a regulation is individually read and tallied.

When a regulation is written it will say something like "The CFPB adopted X because it received 5,284 comments telling us to do that."

Write your comments.

It can be short. It can be long. It can go into detail about your experiences or your background. It can simply be an email saying "overdraft fees suck and should be illegal."

And it will affect policy.

Note, however, that comments are generally public record, so even though you're encouraged to give your name, don't give personally identifiable information.

Federal register comments are one of the least known yet most powerful ways to influence public policy.

dropping this here

and this one too. they let refugees fleeing a different war freeze to death in the middle of winter while the world turned a blind eye at the frozen corpses of children who were denied asylum and died because of it. this was happening as of two months ago as well, it’s not old news

i stand with ukraine, obviously.

i also stand with those who are calling out the blatant hypocrisy in how others in the same situation were treated, as well as those who are rightfully upset in the world’s support of and reaction to of one group of people but not others who have faced the same and much worse.

Olive doing even more shopping fun, this time by combining an agility course with fetching mini food off a tiny shelf, then placing it into a baby BBQ!

Trick tutorial on training a rat basketball (part of the BBQ trick): https://www.youtube.com/watch?v=PMf3wUl89nE

Rat learning to close the BBQ prop: https://www.youtube.com/watch?v=A5COyJK8yLo

There’s an issue when it comes to ‘made Dumbledore gay’. For one, it doesn’t excuse her transphobia in the slightest. But it was also only ever mentioned after the books were published. And fair enough, that’s a choice JKR can make as the author, but let’s not pretend she wrote Dumbledore to be a powerful gay character out of a true desire to be progressive and representative.

If people want to hand wave that away and pretend JKR did write Dumbledore as gay from the beginning. Then the next point of reference to gay characters is how she wrote a werewolf character, coded ‘werewolf-ism’ like the HIV crisis, and then had the character deliberately try and infect children.

Then there was also the women of the Night Witches, an all female air bomber unit that brought hell to the Nazis!

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