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Read the email.

Read the whole email thread.

I am -sadly- not joking. The amount of people I work with that ask me questions covered in the fucking email is boggling.

So kids (and not kids)! If you want to get ahead and impress your boss, try this one, easy work-hack!

Ríhanna Kelver, a bartender and trans rights advocate in Laramie, has been charged with aggravated assault and possession of a deadly weapon with unlawful intent after a 13 September 2025 confrontation outside the Crowbar & Grill, whereshe worked. Kelver could be sentenced to up to 15 years in prison if convicted on both charges.

Despite Wyoming’s “Stand Your Ground” statute, which allows people to use reasonable force in moments of self defense, Kelver faces up to 15 years in prison for both charges, as well as up to $11,000 in fines, per Cowboy State Daily. Kelver faces an additional year and $1,000 fine for a charge of interference with a peace officer. [...]

Hope you don't mind me adding to this, i live in laramie and ive known ríhanna personally for several years and this incident has been so difficult for her, and additionally the attack exacerbated health issues for her.

a local reporter posted this article this morning that delves into her attacker's affiliation with the fascist patriot front org and the fact that since he moved to laramie in 2023 there has been a significant uptick in hateful activity and propaganda being spread throughout the town. this man was prevented from walking at his high school graduation by his own admission due to his racist, queerphobic, and antisemetic behavior.

one of the things that has been infuriating to me is that her attacker is not the one pressing charges. not the literal man she pulled a gun on, it is the police who are threatening her with 15 years in prison.

-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.

Got some Grade A Senshi propaganda right he- OH GOD OH NO

Senshi... I'm so sorry oh my god I dont know what happened or where that water bucket came from jesus christ all mighty

GO VOTE