#Credit Score Software

[microfinanc-software]

Why Credit Score Software is Essential for Your Financial Health

In today’s world, having a good credit score is more important than ever. It impacts your ability to get loans, secure a credit card, or even rent an apartment. A credit score is essentially a number that shows your financial reliability, and it is based on your credit history. But keeping track of all the factors that affect your score—like payment history, debt levels, and credit utilization—can be challenging. That’s where credit score software comes in.

What is Credit Score Software?

Credit score software is a tool that helps you monitor, manage, and improve your credit score. It provides you with regular updates on your score, helps you understand which factors are affecting it, and gives you insights into how you can improve. Many credit score software programs even offer personalized tips and alerts, so you know exactly what to focus on to build a better credit profile.

Key Benefits of Using Credit Score Software

Instant Credit Score Updates: With credit score software, you can check your score anytime, without waiting for monthly reports. This gives you the power to make financial decisions based on the most up-to-date information.

Detailed Reports: This software breaks down your credit report into easy-to-understand sections, highlighting areas where you’re doing well and where you need improvement. It’s a great way to see the big picture of your financial health.

Personalized Tips: Many credit score software programs provide specific tips on how you can raise your score. These could be small changes, like paying bills on time, reducing debt, or keeping old credit accounts open to show a longer history.

Financial Alerts: Get alerts if there are any significant changes to your credit report. This helps you stay aware of any unusual activity that might impact your score, such as missed payments or high credit usage.

Secure and Private: Good credit score software keeps your information safe, using encryption and other security measures. You can track your credit health confidently, knowing your data is protected.

Why Choose Genius Technology’s Credit Score Software?

Genius Technology in Kolkata offers one of the most user-friendly and reliable credit score software options. Our software is designed to make managing your credit score easy, with instant updates, in-depth analysis, and personalized tips to boost your score. Trusted by users across Kolkata, Genius Technology’s Credit Score Software is your partner in achieving financial health. To contact call us at 83360 88541 or visit www.geniustechnoindia.com

[escapedaudios]

Alfonso canonically has the equivalent of like a 9th grade education by Corriente (people who don't know about the supernatural) standards. He knows a lot about monsters, ritual magic, the use and technical function of "obsolete" pre-electronic technology, foreign language, and battle strategy against supernatural enemies, but he knows fuckall about basically everything else.

His only experience with computers is the bare minimum of using booking software at hotels when he's working his secret identity jobs. He saw MySpace once in 2006 and thought it was the most confusing thing in the world.

Modern pop culture (from 2007-2009, when Alfonso's story takes place) is a mystery to him too. He might read modern books (as confusing as they are) but TV and any post-vinyl era music are like legends from another world to him. This is why the Fall Out Boy band T-Shirt he got from a Corriente is like a mystical artifact to him. He's seen a few movies in cinemas, and can't believe that it's normal for Corrientes to have watched hundreds of movies in their life.

Now and then his fiance will just answer questions for him because he learned about a job or a field of study from the outside world because it was mentioned briefly in a book. It's a cute bonding activity for them. He'll just be like "ok so what does an IT worker do" and they'll talk for hours about mundane things that are fascinating to him.

Contrast this with Crow, who's from the Wasteland but integrated into society. Danny taught him what a credit score was. He understood the concept quickly and it just pissed him off. He found out about property deeds and titles and thought it was the stupidest shit ever. From his point of view, land belongs to whoever fights for it the hardest. The idea that you can buy land with money instead of sweat and blood pissed him off and the fact that a government body needs to agree that you own something to actually own it made him want to kill a motherfucker and the fact that you can't kill the abstract concept of title recording made him absolutely furious.

Jäger has an actual high school diploma accredited by the Connecticut state board of education + an actual bachelor's degree in Political Science with an emphasis on foreign policy, plus a crash-course version of Alfonso's education in the supernatural and pre-electronic technology. He's way more in touch with modern society and informed, and he takes advantage to cooperate with institutions in the Corriente world while maintaining some secrecy. He knows the ins and outs of international law, but he mostly uses it to exploit gaps and loopholes to disobey the law, fabricate identities, cross borders with unregistered weapons, and continue the hunt regardless of where it takes him. He's very aware of the intricacies of modern (1963 to him) society and politics, but he doesn't have much of an opinion on any of it. He sees the politics of the normal world more like a force of nature that he has to adapt to, rather than something he has a stake in. His point of view was formed by having to grow up sneaking in and out of Germany during Nazi rule and WWII, the wild political swings of German politics during the East/West Germany split, and living in three different countries all going through wild political turmoil by the time he was 21. Being a participant in a secret, supernatural war while Corrientes were fighting their own war made him disconnect any personal stake he had in political and national identity. He simply believes that things are constantly changing and there's nothing you can do to stop them from changing, you can only adapt and follow your own purpose with or without cooperation from the outside world. Staying informed is only valuable as a strategic move to learn when and how you must break the rules. Werewolves think the same way, and he kind of admires them for it despite being their enemy.

[bitchesgetriches]

idk how much engagement you get but if you're interested in an extra income, I have a free credit repair software and I can make you a referral link so you get a referral fee for everyone that signs up with your link.

Attention, baby bitchlings! This is clearly spam, but we're using it as a teaching moment.

I would never say yes to something like this for 2 reasons:

Part of our revenue model is endorsing companies for a cut of referrals (the other part being our Patreon, which you should absolutely join). Companies reach out to partner with us BECAUSE we have a big audience and BECAUSE we've built up a significant amount of trust with our audience. Y'all know we don't endorse stuff we haven't personally tested and researched. There's no way in HELL your humble Bitches would signal boost a completely random, unnamed "free credit repair software."

Most credit repair services are a scam or a waste of money. They recommend tactics you can do on your own for free (I'll link our guides for this below) without sharing your sensitive personal data with an outside company. The fact that anon is recommending a "free" credit repair software tells me that once you're in the software, their business model is to upsell you on other shit you don't need. Along with life insurance, credit repair services are one business model we'll never partner with for endorsements.

Now, if someone asks YOU to signal boost a referral link, think long and hard about it. Is it legit? Is it a scam? Is it something you're ok putting your name on if it means other people could be taken advantage of?

Now, if your credit needs repairing, here's what we recommend:

How to Build Good Credit Without Going Into Debt

Credit Scoring Is a Racist, Classist System that Has Us All Trapped

How To Fix an Error on Your Credit Report Without Losing Your Damn Mind

How to Instantly Increase Your Credit Score… for FREE

{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards

Did we just help you out? Say thanks on Patreon!

[lyssasdrafts]

★ 𓈒 ݁ STAR—CROSSED (rhysand x reader) ⊹

chapter six: (written) ✧

𓈒 ݁ ✫ masterlist previous next

“guess who!”

morrigan’s voice wakes you, causing you to jolt up from your table at the library. you had come here in the afternoon and it was already evening, meaning the sunlight from the library’s large windows had faded and it was starting to become dimly lit. the bright light from your laptop screen only further causes your eyes to strain.

“what are you doing here?” you say after letting out a yawn and stretching out your arms. you move slightly, patting down a seat for mor.

“just wanted to check up on you,” she shrugs. her attention shifts to the papers scattered around the desk, confirming that you had been reviewing your notes all afternoon. mor frowns when she notices the dark circles under your eyes and quietly fixes your hair while you talk about what you were studying for.

your laptop, however, was for a different task. you had been touching up some of the photos you took at rhysand’s photoshoot on your editing software, meaning his face was plastered across your screen. you cringe at the image and at the sight of the man who caused you so much irritation, no matter how good the photoshoot had turned out.

“are you making a fan edit of me now?” rhysand peers over your shoulder.

once again, you’re taken by suprise, almost jumping out of your seat when he appears next to you. perhaps it runs in their family.

“where did you come from?” morrigan almost yells at him. rhysand had been standing behind the both of you, hands in his pockets as he leans over to look at your screen.

“don’t get the wrong idea,” you retort. “i’m editing your photos from our photoshoot.” rhysand gives you a satisfied smile. perhaps it was even genuine.

“i came here to study,” he says, pulling up a chair and moving to sit across from you. “mind if i sit here?”

“actually, yes,” mor says irreverently. her cousin gives her an annoyed look and she crosses her arms. “no wonder my roommate can’t stand you.”

“i can definitely confirm he’s difficult to work with,” you give her a smirk while the both of you hold in your laugh at rhysand’s dismay.

“i will admit, the photoshoot did look good though,” you say hesitantly. “and thank you for crediting me,” you add, “it really helped me as a photographer.”

rhysand feigns shock, “is y/n being genuine for once?”

you immediately take back your words, “i liked you better when you were picking an argument with me.” you could recall the moments since that photoshoot where rhysand had acted normal in class despite knowing about your passion: when you got your exams back, or last week when you scored one point higher than him, or today in class when you started a debate about the formation of the universe. the entire class had witnessed your argument and you could’ve sworn your teacher sighed that you two were bickering again.

“you know that i was right today,” rhysand says, “as i typically am.”

you try not to roll your eyes at him, instead sorting through your notebooks and papers to find the reading you did earlier. “i know i’m right because i actually study the material. it says here that—”

morrigan had already mentally tuned out of your conversation with rhysand, rolling her eyes when you start shoving notes into her cousin’s face. “can the two of you please argue another time?” she almost yawns.

in the corner of your eye, you can see that familiar golden-brown hair peeking out from behind a bookshelf. you want to roll your eyes as you realize she’s watching how rhysand acts with you. nesta would definitely be teasing you about this later. you notice a second person’s hand covering her face as she giggles, spotting her brighter hair between the gaps in the books, and realize elain was spying on you too.

maybe going to the library was a bad idea today.

rhysand, the oblivious fool that he was, did not see the sisters behind him watching you. you wondered if he was even aware people did this to him, considering how your friends were definitely not the only people on campus to be interested in him like this. you nearly cringed as he continued rambling about how his argument was right, never dropping that satisfied look on his face. he hadn’t realized that you weren’t focused on the conversation anymore.

“do you always have to challenge me, rhysand?” you finally ask.

“do you always have to be right, y/n?” he quickly counters, further proving your point.

“well maybe, it’s because—”

you’re interrupted by the sound of loud footsteps and two large figures walking up to you, causing a few heads to turn in the library, including nesta and elain. you don’t recognize cassian and azriel, who you only knew as rhysand’s friends, until they come up behind rhysand and cassian starts to talk.

azriel pulls up a chair to sit with the both of you while cassian stands behind rhysand, hugging his friend from the back. rhysand seems amused, exchanging greetings with his friends before they finally noticed your presence.

“sorry, y/n, i hope you don’t mind us stealing away your boyfriend for a minute,” cassian gives you a smug look. “we just need rhys for a moment.”

you stare blankly at cassian, blinking. is that what they’ve been thinking? maybe rhysand had become more tolerable to you, but you still had every right to be annoyed with his friends. cassian looked like he was about to start laughing at rhysand before you look him straight in the eyes.

you lean back into your chair, crossing your arms and glaring at cassian, “he’s not my boyfriend.”

“he talks about you all the time,” azriel chimes in. this was perhaps your first time hearing his voice properly. in the few classes you had with him, azriel rarely spoke and brushed off anyone who tried to start a conversation with him. even a few more heads turned towards him when he spoke in front of you.

a look of panic flashed in rhysand’s eyes and he gave azriel a nudge with his arm, causing the dark haired boy to chuckle. morrigan makes a disgusted face, giving cassian and azriel a look that would’ve made you shut up instantly. but instead, they both continued.

“well then, i can’t really blame you for not wanting to date rhysand,” cassian is now standing over your table, placing his hands in his pockets as he leans down towards you. “he’s insufferable.”

“he is,” the cold tone remains in your voice, though an amused smile begins to tug on your lips.

“don’t say that, y/n. he’ll be so heartbroken later,” azriel speaks, a similar reluctant smirk appearing on his face too.

“that’s enough!” rhysand snaps, “stop embarassing me.”

you’re about to burst out laughing with cassian when rhysand suddenly slams his hands on the table, insisting that his friends leave with him. you don’t object to rhysand cutting his visit to the library short, watching how mor chuckles as rhysand drags azriel away and bids cassian to follow behind them. it’s like the four of them have a secret that you’re not in on. cassian gives you a playful wave goodbye that you hesitantly return before the three of them quickly disappear from your peripheral vision.

“that was… interesting,” you say to morrigan, only moments before nesta and elain confront you. you were still trying to process the fact that cassian and azriel had even looked in your direction, let alone without any disgust. some of the rudest people you knew on campus had just started a conversation with you, all because you happened to know rhysand.

nesta pretends to dust off the books on the shelves as she walks towards you, tracing the patterns on your wooden desk once she reaches you, her eyes almost bulging when she glances at all your papers. “y/n,” she says in a sing-song voice, it’s the first time you’ve ever seen her smile like that, “what was that about?”

elain doesn’t even bother to be discrete, simply trailing behind nesta and appearing behind her. although she obviously isn’t as curious, her eyes are also widened like she has questions about that interaction too.

morrigan nearly scoffs, “you mean rhysand?”

“i already know about him,” nesta’s smile almost drops completly as her face twists, “who was that big, strong friend he brought?”

“you mean cassian?” you say, mor nearly starts laughing again.

“he seems cute,” nesta shrugs, then continues teasing you. “does our y/n now have men fawning over you?” she gives you a look with a smirk.

“absolutely not.”

elain suddenly joins, her voice remains quiet and hesitant when she asks, “what about the taller one?”

she receives a look from both you and nesta, and you’re suddenly reminded of just how coldly azriel treats people. perhaps nesta would get along with him, but your other friends would definitely dislike him if they saw him in class the way you did.

“he seems kind,” elain softly says.

“something tells me you’ll be seeing a lot more from the three of them,” morrigan playfully hits your arm, your three friends officially ganging up on you to your dismay.

— NOTES

cassian and azriel teasing rhysand 🤭

almost got the whole gang in one place 🫶 cassian and azriel finally make their first appearance

nesta noticing cassian 👀 my nessian self just had to add it

— TAGLIST

@thelov3lybookworm @starsand @lilah-asteria @therealmoonstone @just-a-social-casualty-1 @ashjade19 @girlontheblock @cherry-cin @daughterofthemoons-stuff @starswholistenanddreamsanswered @sweet-chai-amore @kierramofficial @noelli-smv @c-dizzle99 @littlestw01f @marina468 @dragneel-brothers

[so-i-did-this-thing]

Hello Nicholas!

I hope this isn't a weird question, but I saw in one of your posts that you used to be in a huge amount of debt and now you're living more comfortably- how did you manage to get out of debt? I feel like every time I start even trying to figure out where to start, it's just all too big to ever get out from under. Do you have any advice for me?

Hope you have a great day!

Hey there! Yes, from about 2007-2010 (before I transitioned), I was making less than $10k/year. I defaulted on all my credit cards, exhausted my retirement, and nearly lost my house. It sucked, and in 2024, I'm finally start to feel somewhat secure. What I learned (assuming living in the US, I also did not have student loan debt):

I had to first figure out the sources of my debt. A big chunk of it was because of bad spending habits due to mental illness (hoarding + retail therapy when I was dysphoric/depressed). Another chunk was from being in an abusive friendship. Another, from being unemployed. And the last, was general capitalism (this was during the housing crisis.)

I started working on improving myself to curb behaviors that led to debt. I started working on my hoarding. I started transition to improve my mental health (had to sell some stuff to afford HRT). It took until 2015 to ditch my abuser, alas.

I started working on new job skills. I swallowed my pride and got an office job after a failed 3-year stint at freelancing. It was shitty, but enough to take care of my income emergencies -- keeping my house out of foreclosure. I got a better job 8 months later. It also sucked and I was in it for 7 years, but eventually changed industries and that's when my career took off. Because with each new job, I've gotten better and better pay.

I started using budgeting software. YNAB is my favorite. I try to account for every single dollar I have.

I started spending smarter. Food was the expense I had the most control over. I went to the salvage grocery store (you can find non-expired stuff if you hunt) and bought the "ugly" produce 1 day away from rotting from the local markets. I actually managed to eat well once I found these grocery stores, and my food bill became a fraction of what it'd been at typical grocery stores. I do wish that I had given food pantries a shot, but I was in denial about my poverty at the time.

I sold a ton of useless crap. I got rid of a good chunk of my nerd "collectibles". I only miss a few things over a decade later.

I negotiated with my debt collectors. I managed to set up payment plans with my credit card companies, condo association, and the IRS. I also did a debt consolidation loan once I qualified and was sure I could commit to the monthly payments. It forced me to be super strict about my budget and for about 5 years I didn't buy much for myself. It sucked, but I cleared a bunch of debt that way.

I got help from my family. I was embarrassed to tell my family about my predicament, but it became impossible to hide. I got help cleaning out my hoard and my mother has gracefully given me generous cash gifts every now and then. Never enough to be life-changing, but enough to give me a mental breather.

I played the credit score game. This one seems counter-intuitive, and requires some self-control about not abusing credit cards. Many people recommend the "snowball" method for paying off cards (pay off your lowest debt asap, then go to the next one), but I went with a "credit utilization" method (bring my highest used cards down to the next utilization level, then move to other cards) so I would see immediate changes in my credit score. What is credit card utilization? It's the percentage of how much of your credit card you're using. A card with a $1,000 limit and $100 on it = 10% utilization. Your credit score changes when you cross the following thresholds: 90%, 70%, 50%, 30%, 10%. Once my credit score started going up past 400 (especially as defaults started falling away), I applied for a secured card. As I started using that better, I applied for a few more cards, then for credit line increases every 6 months. My car insurance rates were tied to my credit score, so as soon as that improved, I switched companies and saved money there.

Mistakes I made:

Being in denial that I was poor. I didn't really look for resources on how to live while in poverty. This hurt me a lot because I ended up neglecting myself out of pride, which made my situation even worse.

Payday loans. I got stuck in the payday cycle for about 8 years. I wish I had sold more stuff or asked family for money to have never needed that initial loan. Once you are in the cycle, it becomes very difficult to get out.

Not going to a food bank.

Not asking for help sooner. And not just financial help.

Not getting out of abusive situations sooner. This is hard, and I sympathize with anyone in a similar position. But if you think it's time to move on, trust your gut - don't sacrifice yourself for people who don't care about you.

Ignoring debt collectors, because I was too afraid to negotiate for a plan. The IRS was so patient with me in the end, even after defaulting twice on plans.

Not considering getting a roommate to reduce costs, or not thinking of doing more things like shared meals with my fellow poor friends. Again, denial and pride. Humility is not a bad word and I wished I had learned it sooner.

Not changing jobs sooner. Curbing my hoarding and getting a better job are responsible for about 90% of me being where I am financially today.

Getting out of debt is a marathon. It took over a decade for me, and I am *still* feeling the sting of poverty. I wish you the best of luck. Folks are welcome to tack on specific tricks and strategies -- this is just a general outline of my particular journey.

[unwelcome-ozian]

Weaponizing violence. With alarming regularity, the nation continues to be subjected to spates of violence that terrorizes the public, destabilizes the country’s ecosystem, and gives the government greater justifications to crack down, lock down, and institute even more authoritarian policies for the so-called sake of national security without many objections from the citizenry.

Weaponizing surveillance, pre-crime and pre-thought campaigns. Surveillance, digital stalking and the data mining of the American people add up to a society in which there’s little room for indiscretions, imperfections, or acts of independence. When the government sees all and knows all and has an abundance of laws to render even the most seemingly upstanding citizen a criminal and lawbreaker, then the old adage that you’ve got nothing to worry about if you’ve got nothing to hide no longer applies. Add pre-crime programs into the mix with government agencies and corporations working in tandem to determine who is a potential danger and spin a sticky spider-web of threat assessments, behavioral sensing warnings, flagged “words,” and “suspicious” activity reports using automated eyes and ears, social media, behavior sensing software, and citizen spies, and you having the makings for a perfect dystopian nightmare. The government’s war on crime has now veered into the realm of social media and technological entrapment, with government agents adopting fake social media identities and AI-created profile pictures in order to surveil, target and capture potential suspects.

Weaponizing digital currencies, social media scores and censorship. Tech giants, working with the government, have been meting out their own version of social justice by way of digital tyranny and corporate censorship, muzzling whomever they want, whenever they want, on whatever pretext they want in the absence of any real due process, review or appeal. Unfortunately, digital censorship is just the beginning. Digital currencies (which can be used as “a tool for government surveillance of citizens and control over their financial transactions”), combined with social media scores and surveillance capitalism create a litmus test to determine who is worthy enough to be part of society and punish individuals for moral lapses and social transgressions (and reward them for adhering to government-sanctioned behavior). In China, millions of individuals and businesses, blacklisted as “unworthy” based on social media credit scores that grade them based on whether they are “good” citizens, have been banned from accessing financial markets, buying real estate or travelling by air or train.

Weaponizing compliance. Even the most well-intentioned government law or program can be—and has been—perverted, corrupted and used to advance illegitimate purposes once profit and power are added to the equation. The war on terror, the war on drugs, the war on COVID-19, the war on illegal immigration, asset forfeiture schemes, road safety schemes, school safety schemes, eminent domain: all of these programs started out as legitimate responses to pressing concerns and have since become weapons of compliance and control in the police state’s hands.

Weaponizing entertainment. For the past century, the Department of Defense’s Entertainment Media Office has provided Hollywood with equipment, personnel and technical expertise at taxpayer expense. In exchange, the military industrial complex has gotten a starring role in such blockbusters as Top Gun and its rebooted sequel Top Gun: Maverick, which translates to free advertising for the war hawks, recruitment of foot soldiers for the military empire, patriotic fervor by the taxpayers who have to foot the bill for the nation’s endless wars, and Hollywood visionaries working to churn out dystopian thrillers that make the war machine appear relevant, heroic and necessary. As Elmer Davis, a CBS broadcaster who was appointed the head of the Office of War Information, observed, “The easiest way to inject a propaganda idea into most people’s minds is to let it go through the medium of an entertainment picture when they do not realize that they are being propagandized.”

Weaponizing behavioral science and nudging. Apart from the overt dangers posed by a government that feels justified and empowered to spy on its people and use its ever-expanding arsenal of weapons and technology to monitor and control them, there’s also the covert dangers associated with a government empowered to use these same technologies to influence behaviors en masse and control the populace. In fact, it was President Obama who issued an executive order directing federal agencies to use “behavioral science” methods to minimize bureaucracy and influence the way people respond to government programs. It’s a short hop, skip and a jump from a behavioral program that tries to influence how people respond to paperwork to a government program that tries to shape the public’s views about other, more consequential matters. Thus, increasingly, governments around the world—including in the United States—are relying on “nudge units” to steer citizens in the direction the powers-that-be want them to go, while preserving the appearance of free will.

Weaponizing desensitization campaigns aimed at lulling us into a false sense of security. The events of recent years—the invasive surveillance, the extremism reports, the civil unrest, the protests, the shootings, the bombings, the military exercises and active shooter drills, the lockdowns, the color-coded alerts and threat assessments, the fusion centers, the transformation of local police into extensions of the military, the distribution of military equipment and weapons to local police forces, the government databases containing the names of dissidents and potential troublemakers—have conspired to acclimate the populace to accept a police state willingly, even gratefully.

Weaponizing fear and paranoia. The language of fear is spoken effectively by politicians on both sides of the aisle, shouted by media pundits from their cable TV pulpits, marketed by corporations, and codified into bureaucratic laws that do little to make our lives safer or more secure. Fear, as history shows, is the method most often used by politicians to increase the power of government and control a populace, dividing the people into factions, and persuading them to see each other as the enemy. This Machiavellian scheme has so ensnared the nation that few Americans even realize they are being manipulated into adopting an “us” against “them” mindset. Instead, fueled with fear and loathing for phantom opponents, they agree to pour millions of dollars and resources into political elections, militarized police, spy technology and endless wars, hoping for a guarantee of safety that never comes. All the while, those in power—bought and paid for by lobbyists and corporations—move their costly agendas forward, and “we the suckers” get saddled with the tax bills and subjected to pat downs, police raids and round-the-clock surveillance.

Weaponizing genetics. Not only does fear grease the wheels of the transition to fascism by cultivating fearful, controlled, pacified, cowed citizens, but it also embeds itself in our very DNA so that we pass on our fear and compliance to our offspring. It’s called epigenetic inheritance, the transmission through DNA of traumatic experiences. For example, neuroscientists observed that fear can travel through generations of mice DNA. As The Washington Post reports, “Studies on humans suggest that children and grandchildren may have felt the epigenetic impact of such traumatic events such as famine, the Holocaust and the Sept. 11, 2001, terrorist attacks.”

Weaponizing the future. With greater frequency, the government has been issuing warnings about the dire need to prepare for the dystopian future that awaits us. For instance, the Pentagon training video, “Megacities: Urban Future, the Emerging Complexity,” predicts that by 2030 (coincidentally, the same year that society begins to achieve singularity with the metaverse) the military would be called on to use armed forces to solve future domestic political and social problems. What they’re really talking about is martial law, packaged as a well-meaning and overriding concern for the nation’s security. The chilling five-minute training video paints an ominous picture of the future bedeviled by “criminal networks,” “substandard infrastructure,” “religious and ethnic tensions,” “impoverishment, slums,” “open landfills, over-burdened sewers,” a “growing mass of unemployed,” and an urban landscape in which the prosperous economic elite must be protected from the impoverishment of the have nots. “We the people” are the have-nots.

The end goal of these mind control campaigns—packaged in the guise of the greater good—is to see how far the American people will allow the government to go in re-shaping the country in the image of a totalitarian police state.

[drst]

So this is what the Biden administration spent it's last week in office doing. It's important to know this isn't unusual activity for them. But this is all just in one week:

"Out With a Bang: Enforcers Go After John Deere, Private Equity Billionaires

https://www.thebignewsletter.com/p/out-with-a-bang-enforcers-go-after

At least for a few more days, laws are not suggestions. In the end days of strong enforcement, a flurry of litigation is met with a direct lawsuit by billionaires against Biden's Antitrust chief.

Matt Stoller

Jan 16, 2025

It’s less than a week until this era of antitrust ends. And while much of the news has been focused elsewhere, enforcers have engaged in a flurry of action, which will by legal necessity continue into the next administration. One case in particular angered some of the most powerful people on Wall Street, the partners of a $600 billion private equity firm called Kohlberg Kravis Roberts (KKR).

But before getting to that suit, here’s a partial list of some of the actions enforcers have taken in the last two weeks.

The Federal Trade Commission

Filed a monopolization claim against agricultural machine maker John Deere for generating $6 billion by prohibiting farmers from being able to repair their own equipment, a suit which Wired magazine calls a “tipping point” for the right to repair movement.

Released another report on pharmacy benefit managers, including that of UnitedHealth Group, showing that these companies inflated prices for specialty pharmaceuticals by more than $7 billion.

Sued Greystar, a large corporate landlord, for deceiving renters with falsely advertised low rents and not including mandatory junk fees in the price.

Issued a policy statement that gig workers can’t be prosecuted for antitrust violations when they try to organize, and along with the Antitrust Division, updated guidance on labor and antitrust.

Put out a series of orders prohibiting data brokers from selling sensitive location information.

Finalized changes to a rule barring third party targeted advertising to children without an explicit opt-in.

The Consumer Financial Protection Bureau

Went to court against Capital One for cheating consumers out of $2 billion by deceiving them on savings accounts and interest rates.

Fined cash app purveyor Block $175 million for fostering fraud on its platform and then refusing to offer customer support to affected consumers.

Proposed a rule to prohibit take-it-or-leave-it contracts from financial institutions that allow firms to de-bank users over how they express themselves or whether they seek redress for fraud.

Issued a report with recommendations on how states can update their laws to protect against junk fees and privacy abuses.

Sued credit reporting agency Experian for refusing to investigate consumer disputes and errors on credit reports.

Finalized a rule to remove medical debt from credit scores.

The Antitrust Division

Sued to block a merger of two leading business travel firms, American Express Global Business Travel Group and CWT Holdings.

Filed a complaint against seven giant corporate landlords for rent-fixing, using the software and consulting firm RealPage.

Got four guilty pleas in a bid-rigging conspiracy by IT vendors against the U.S. government, a guilty plea from an asphalt vendor company President, and convicted five defendants in a price-fixing scam on roofing contracts.

Issued a policy statement that non-disclosure agreements that deter individuals from reporting antitrust crimes are void, and that employers “using NDAs to obstruct or impede an investigation may also constitute separate federal criminal violations.”

Filed two amicus briefs with the FTC, one supporting Epic Games in its remedy against Google over app store monopolization, and the other supporting Elon Musk in his antitrust claims against OpenAI, Microsoft, and Reid Hoffman.

And honorary mention goes to the Department of Transportation for suing Southwest and fining Frontier for ‘chronically delayed flights.’"

It's worth reading the entire piece because the Biden people have also gone after KKR which is one of the biggest and most well-connected private equity firms. Remember when suddenly last year all the rich people who used to donate to both parties stopped giving money to Democrats? The billionaires coup against Biden was because of anti trust enforcement.

IF YOU'RE THINKING "GOSH I NEVER HEARD ABOUT ANY OF THIS BEFORE" I HOPE YOU CAN PUT TOGETHER THAT THE NEWS AND SOCIAL MEDIA PLATFORMS ARE ALL OWNED BY BILLIONAIRES WHO ARE VERY ANGRY ABOUT ALL OF THIS AND MAYBE THAT'S WHY YOU NEVER SAW ANYONE TALK ABOUT THE HUGE RESURGENCE OF ANTI TRUST WORK DONE BY BIDEN FOR THE LAST FOUR YEARS.

And no, Trump cannot magically make this all go away. The lawsuits will have to be played out and many of them have state level components that mean the feds can't just shut them down.

X

[mariacallous]

Four days before Donald Trump’s inauguration, financial technology startup Ramp published a pitch for how to tackle wasteful government spending. In a 4,000-word blog post titled “The Efficiency Formula,” Ramp’s CEO and one of its investors echoed ideas similar to those promoted by Trump and his billionaire ally Elon Musk: Federal programs were overrun by fraud, and commonsense business techniques could provide a quick fix.

Ramp sells corporate credit cards and artificial intelligence software for businesses to analyze spending. And while the firm appears to have no existing federal contracts, the post implied the government should consider hiring it. Just as Ramp helped businesses manage their budgets, the company “could do the same for a variety of government agencies,” according to the blog and company social media posts.

It didn’t take long for Ramp to find a willing audience. Within Trump’s first three months in office, its executives scored at least four private meetings with the president’s appointees at the General Services Administration, which oversees major federal contracting. Some of the meetings were organized by the nation’s top procurement officer, Josh Gruenbaum, commissioner of the Federal Acquisition Service.

GSA is eying Ramp to get a piece of the government’s $700 billion internal expense card program, known as SmartPay. In recent weeks, Trump appointees at GSA have been moving quickly to tap Ramp for a charge card pilot program worth up to $25 million, sources told ProPublica, even as Musk’s Department of Government Efficiency highlights the multitudes of contracts it has canceled across federal agencies.

[thecapybarawhisperer]

The Tyranny of Surveillance

Psycho‑Pass hit me less as speculative fiction and more as a mirror tilted a few degrees into the future. Foucault’s panopticon describes bodies that police themselves once the gaze is constant but unverifiable, converting external force into self‑discipline . The Sibyl scanners simply extend that gaze from rooms to neural circuitry and show how little overt violence a state needs once visibility is total. Japan already prizes social harmony and technological convenience, so the series’ Tokyo feels plausible rather than dystopian. Reading the Washington Post report on Bluetooth beacons grading Syracuse freshmen, I saw the same calculus: trade attendance points for autonomy (Harwell 2019). Sibyl just finishes the bargain by slotting every citizen into a job, a therapy queue, or a cell. Lecture 1’s reminder that visibility becomes morality clarified why crowds in episode 1 freeze as a murder unfolds, they have never rehearsed dissent . Lecture 2’s discussion of “legibility” sharpened the danger: when worth collapses to a single index, the unlucky are pathologized, not persuaded . Globally, the show echoes predictive‑policing software that ProPublica found mislabels Black defendants as high risk twice as often as whites (Angwin et al 2016). Sibyl’s “crime coefficient” looks objective but, like COMPAS, it seals fates before action. Makishima weaponizes that flaw, proving that perfect data still rest on political choices about whose pain counts. Personally, the series forced an inventory of my own concessions. I silence dissenting thoughts before typing because cloud folders feel like interview panels. My smartwatch nags me to stand, my credit score nudges me toward “responsible” purchases, and I comply, grateful for the frictionless life those metrics grant. Psycho‑Pass asks whether that gratitude will survive when an opaque ledger decides my next career or my freedom. The anime therefore reads as a caution: precision governance may lift productivity and lower street crime, yet it empties public space of spontaneity and ethical judgment. If society delegates trust entirely to algorithms, citizens risk forgetting how to doubt, resist, or even notice power. Sibyl is not a monster hiding in the tower, it is the tranquil voice inside our heads saying, “Everything is fine, stay in your lane.”

[medicalxbilling]

Why Doctors Should Outsource Medical Billing 💼💡

Running a medical practice is not an easy task. Between seeing patients, staying up-to-date with medical advancements, and managing the day-to-day operations, doctors already have their hands full of work. That’s where outsourcing medical billing comes in. Here’s why it might be the best decision for your practice:

Focus on Patient Care By outsourcing billing, doctors can spend more time with their patients rather than buried in paperwork. The time saved on administrative tasks means more quality care and less stress about other formal procedures of business. 🩺

Faster Payments When a dedicated team handles your billing, the entire process becomes more streamlined, leading to quicker claim submissions and faster reimbursements. This helps improve cash flow and keeps the practice financially healthy. 💵

Reduce Errors & Denials Even small mistakes in coding can lead to claim denial. By outsourcing medical billing, you can reduce the risk of costly errors. Professionals ensure everything is done according to law and insurance policies, which helps get your payments faster and with fewer hiccups. 🛠️

Lower Overhead Costs Hiring in-house billing staff comes with expenses like salaries and training costs. Outsourcing can reduce these expenses, allowing you to invest in areas that directly improve patient care or grow your practice. 💰

Stay Compliant Healthcare laws and insurance requirements are constantly evolving. Outsourcing medical billing ensures you're always up-to-date with the latest regulations, avoiding penalties and staying compliant with Medicare, Medicaid, and private insurers. 📜

Scalability As your practice grows, so do your billing needs. Outsourcing allows you to scale your business without worrying about billing procedures. 📈

Outsourcing your medical billing isn’t just about saving time—it’s about improving your practice’s efficiency, reducing stress, and allowing you to focus on what you do best - taking care of your patients. 🌟

#MedicalBilling #Outsource #Healthcare #Doctors #PracticeManagement #Efficiency #MedicalOffice

[abigail-the-bagel]

My Arrangement - Married Life from Up (easy)

https://musescore.com/user/31996419/scores/17692129

So, because I'm a chicken, I'm not posting anything original this week. I have some stuff to sort out with what I was supposed to be posting and software, so maybe I'll do it next week.

So for now, I hope you'll like a very easy little arrangement I made of Married Life from the Pixar movie Up for solo piano. I made it originally for a student of mine who wanted to learn it, but thought might as well stick it online if anyone else wants a super easy version.

Disclaimer - I do not own this piece or the movie or claim to, it's by Michael Giacchino for Pixar's Up. All credit goes to the rightful owners (disney please don't come after me)

Hope it can be useful to someone out there or you just like it :)

[kevin-the-bruyne]

I don’t think people realize that THE ONLY leverage that people who care about Palestine have right now is to cow Joe Biden down from fear of losing the election. THE ONLY LEVERAGE. If you think ‘it will be worse’ under Trump you are a sick fuck but also you reveal that you are so naive that you think that there’s any amount of actual goodwill that is staying the current governments hand instead of practical logistical things like literally being at the limits of arsenal and manpower because Israel is fighting a war at two fronts simultaneously.

Clearly neither Yemen nor Lebanon are real countries to you. You don’t even have the humility to realize that Hamas and Hezbollah are running rings around the Israeli army whose only strategy is brute strength. Trump turning up brute strength (which I doubt he even can) will make no difference. NEITHER party are committed to ending the war. BOTH are committed to establishing a Middle Eastern stronghold and are determined to do so by any means necessary. ONLY democrats understand that pushing past Saudi’s red line is going to end very very poorly for them. Giving China any reason to intervene is going to end very very very badly for America.

If anything democrats in power are giving Isr*** more opportunities to keep at this war because they’re running respectability rings around international law and most countries are happy to buy it if that means they don’t have to rock the boat and impose sanctions which they will have to if the US President suddenly stops saying ‘we care about the safety of innocent Is***** 🥺🥺🥺’ and says ‘we’re going to flatten Gaza because we hate Palestinians!!!!!’

If you are humble enough to admit that you don’t understand how war works but still want democrats to win focus on domestic policies. Roe v Wade was upturned due to Trump appointed judges. The end of affirmative action is only the surface of a slew policies aimed at removing protections that will turn education opportunities even lower for black and underrepresented minorities. Democrats have just started reforms on re-classifying medical debt so that it doesn’t affect credit scores. Disabled people are no longer being punished for getting married. Increasing accessibility to education that’s non-four year colleges (like community college and state schools). And as far as I can tell Democrats seem to at least be willing to come to the table in discussing racist tech and facial recognition software.

[mostlysignssomeportents]

This day in history

On July 14, I'm giving the closing keynote for the fifteenth HACKERS ON PLANET EARTH, in QUEENS, NY. Happy Bastille Day! On July 20, I'm appearing in CHICAGO at Exile in Bookville.

#15yrsago Myths about Canadian healthcare https://www.denverpost.com/2009/06/04/debunking-canadian-health-care-myths/

#15yrsago Abstinence doesn’t work for IT or for teens https://www.theguardian.com/technology/2009/jun/16/computer-security-abstinence

#15yrsago Scam artists con Apple into killing app that tells you when the bus is due in San Francisco https://web.archive.org/web/20090627161346/http://sfappeal.com/news/2009/06/who-owns-sfmta-arrival-data.php

#10yrsago US inches towards decriminalizing phone unlocking https://www.techdirt.com/2014/06/25/year-half-later-unlocking-your-phone-one-step-closer-to-being-legal/

#10yrsago North Korea threatens “merciless” war against the US over Seth Rogen movie https://www.bbc.com/news/world-asia-28014069

#10yrsago Copyfraud, uncertainty and doubt: the vanishing online public domain https://medium.com/@xor/houston-we-have-a-public-domain-problem-bd971c57dfdc

#10yrsago Charlie Stross on the stop/go nature of technological change https://www.antipope.org/charlie/blog-static/2014/06/yapcna-2014-keynote-programmin.html

#10yrsago Lurking inside Obama’s secret drone law: another secret drone law https://www.techdirt.com/2014/06/25/enough-secret-law-newly-released-doj-drone-killing-justification-memo-points-to-another-secret-drone-memo/

#10yrsago Kleargear must pay $306,750 for trashing a complaining customer’s credit https://arstechnica.com/tech-policy/2014/06/kleargear-must-pay-306750-to-couple-that-left-negative-review/

#5yrsago Podcast number 300: “Adversarial Interoperability: Reviving an Elegant Weapon From a More Civilized Age to Slay Today’s Monopolies” https://ia903004.us.archive.org/11/items/Cory_Doctorow_Podcast_300/Cory_Doctorow_Podcast_300_-_Adversarial_Interoperability.mp3

#5yrsago How China ingests and adapts western culture https://aeon.co/essays/how-china-remakes-its-cultural-imports-from-the-west

#5yrsago Prosecutors and federal judges collaborate with corporations to seal evidence of public safety risks, sentencing hundreds of thousands of Americans to death https://www.reuters.com/investigates/special-report/usa-courts-secrecy-judges/

#5yrsago EU expert panel calls for a ban on AI-based risk-scoring and limits on mass surveillance https://www.theverge.com/2019/6/26/18759447/eu-ai-ethical-policy-recommendations-ban-mass-scoring-surveillance

#5yrsago You treasure what you measure: how KPIs make software dystopias https://web.archive.org/web/20190622092434/https://datascience.columbia.edu/ethical-principles-okrs-and-kpis-what-youtube-and-facebook-could-learn-tukey#.XRMxf5DB5eg.twitter

#5yrsato Dieselgate 2.0: 42,000 Mercedes diesels recalled for “illegal software” https://arstechnica.com/cars/2019/06/german-regulator-says-it-discovered-new-illegal-software-on-daimler-diesels/

#5yrsago Insulin: why the price of a 100-year-old drug has tripled in a decade https://prospect.org/health/insulin-racket/

Support me this summer on the Clarion Write-A-Thon and help raise money for the Clarion Science Fiction and Fantasy Writers' Workshop!

[palmtreepalmtree]

Sorry to complain a little but sometimes I feel like just doing the most basic shit is so fucking exhausting right now. For everything I own and use I have to be constantly vigilant of my privacy and identity theft and fraud and my credit score and maintaining insurance and remembering my passwords and and and

I just want to buy a device, take it out of the box, and not have to install ten gazillion programs to protect myself or break into the background software to stop it from trying to dismantle my brain for parts.

Just fucking enough.

[yourgamemasterthewhiterabbit]

The subject has filed their wretched little taxes :(

The subject also has learned that a single tube of lean ground beef is too much iodine over the span of 2 days... Apparently.

That or I am allergic to beef???

If I have developed a meat protein allergy on top of this I simply fucking can't anymore.

I was already eating a ton of animal fats and proteins to AVOID other allergies and malabsorption issues...

This beef was also purchased long enough ago that I doubt it could be an immune reaction to dead bird flu in the meat. So I guess I wait for symptoms to recede again and try plain pork? Or maybe wait till a week after symptoms have let up.

I need to rebuild my muscles with something and I am anemic also, like damn.

Rude.

I experienced hope today when the tax software made it sound like a FHSA might be exempt from the asset limit I am working with... But no, and I don't know if a doctor will sign off on me getting a RDSP either, even if I ought to qualify, so we're still at "down payment under the 40k asset limit and pray the mortgage doesn't fuck me sideways after the first 5-15 years"... We'll see if the 50$ in interest affects my taxes at all.

Why yes, I DID file my taxes at the last possible fucking moment. This was due to an abundance of internal screaming. But I voted and I filed my taxes and I will pay my stupid little bills. And cogeco has absolutely made it worthwhile to cancel and move to other service, they just re-increased my bill twice in 2 months. and their competitor got at least 10$ cheaper. So I will confirm that the other guys could give me service, and then call cogeco and threaten to cancel if I don't get my internet for 60$, and maybe cancel anyway the moment they try to charge me more again, because all the stupid bills in between me complaining will keep adding up and I shouldn't have to deal with that at all. I'll try to let everyone know when to expect me to be kind of unreachable for a hot minute. I still need to properly register with the food bank -if a qualify on account f the housing benefit- and also reapply for the housing benefit soon because they make to do that every year...

In general, I should also be finding out what my credit score is and how the fuck I can start building that now with no ability to get a credit card...

But it still seems like the main priority is getting my body functional and my apartment in final order.

[xettle-technologies]

What Are the Benefits of Adopting Latest Fintech Technologies?

The financial industry is witnessing a rapid transformation driven by the adoption of the latest fintech technologies. These technologies are revolutionizing how financial services are delivered, enhancing efficiency, improving security, and fostering innovation across banks, insurance companies, investment firms, and payment platforms. By integrating advanced fintech software into their operations, businesses are unlocking numerous benefits that enable them to stay competitive in an increasingly digital world. In this article, we will explore the key advantages of adopting the latest fintech technologies and how they are reshaping the financial landscape.

1. Enhanced Efficiency and Automation

One of the primary benefits of adopting the latest fintech technologies is the significant boost in efficiency. Traditional financial systems often rely on manual processes, which can be time-consuming, prone to errors, and costly. With the integration of fintech software solutions, businesses can automate a wide range of processes, from payment processing to data analysis.

For example, AI-powered algorithms can automate tasks like credit scoring, fraud detection, and risk assessment, enabling financial institutions to make faster and more accurate decisions. Additionally, blockchain technology enables automated, transparent transactions, reducing the need for intermediaries and speeding up processes like cross-border payments. The efficiency gained through automation allows businesses to handle a larger volume of transactions and deliver services more swiftly, benefiting both the institutions and their customers.

2. Improved Customer Experience

The latest fintech technologies also play a crucial role in enhancing customer experiences. Consumers today demand convenience, speed, and personalized services. Fintech software solutions enable businesses to meet these demands by offering innovative and user-friendly platforms for managing finances.

Digital wallets, mobile banking apps, and AI-powered chatbots are just a few examples of how fintech technologies are transforming customer interactions. Mobile payment systems like Apple Pay and Google Pay allow users to make secure transactions with just a tap of their phone, while robo-advisors provide tailored financial advice based on individual needs. AI-driven chatbots can respond to customer inquiries instantly, providing 24/7 support and delivering personalized responses. These innovations make financial services more accessible, faster, and tailored to the unique needs of each customer.

Additionally, by leveraging the latest fintech technologies, businesses can offer cross-channel experiences, where customers can seamlessly transition between online platforms, mobile apps, and physical locations without interruption. This level of convenience significantly improves customer satisfaction and loyalty.

3. Cost Savings and Reduced Operational Expenses

Adopting fintech technologies can result in significant cost savings for businesses. Traditional banking systems often involve high overhead costs related to maintaining physical branches, processing manual transactions, and managing large teams. By embracing fintech software, financial institutions can streamline their operations, reducing the need for human intervention in routine tasks.

For example, cloud computing solutions allow businesses to store and process large amounts of data without the need for expensive in-house infrastructure. This can lead to significant savings in terms of hardware and maintenance costs. Additionally, automated systems for customer service, fraud detection, and compliance reduce the reliance on human resources, leading to further cost reductions.

For small businesses and startups, fintech solutions offer an affordable way to access sophisticated financial tools that were previously out of reach. Cloud-based accounting, invoicing, and payment solutions enable these companies to operate more efficiently without the need for large investments in infrastructure or personnel.

4. Improved Security and Fraud Prevention

As the financial industry becomes more digital, security has become a top priority. The latest fintech technologies offer advanced security features that help protect businesses and their customers from cyber threats and fraud. Blockchain technology, for example, provides a decentralized and immutable ledger, ensuring the integrity and transparency of transactions. This makes it nearly impossible for malicious actors to alter or tamper with transaction records, reducing the risk of fraud.

Additionally, fintech software solutions integrate cutting-edge encryption methods and biometric authentication, such as facial recognition and fingerprint scanning, to safeguard sensitive data. AI-powered fraud detection systems can monitor transactions in real-time, flagging suspicious activities and preventing fraudulent transactions before they occur. These security measures help businesses build trust with their customers and ensure that sensitive financial information is protected.

By adopting the latest fintech technologies, financial institutions can also ensure compliance with stringent data protection regulations, such as the GDPR (General Data Protection Regulation), further reducing the risk of penalties and reputational damage.

5. Greater Accessibility and Financial Inclusion

Fintech technologies are making financial services more accessible to underserved and unbanked populations around the world. In developing regions, where access to traditional banking services may be limited, mobile phones and fintech apps are enabling individuals to manage their finances, make payments, and even access credit.

Digital wallets and mobile banking apps allow users to store, send, and receive money without the need for a physical bank account. Peer-to-peer (P2P) lending platforms are helping individuals and small businesses access credit that they might otherwise not be able to obtain from traditional banks. Additionally, fintech software solutions are allowing micro-lending institutions to assess creditworthiness more accurately using alternative data, such as mobile usage and payment history, making it easier for individuals without formal credit histories to secure loans.

By adopting fintech technologies, businesses can contribute to financial inclusion, helping to bridge the gap between the banked and unbanked populations and enabling more people to participate in the global economy.

6. Better Decision-Making and Data Analytics

Data is at the heart of fintech innovation. The latest fintech technologies, such as AI and big data analytics, enable businesses to gather, process, and analyze vast amounts of information in real-time. This allows financial institutions to make data-driven decisions, improve risk management, and offer more personalized services to their customers.

For example, AI algorithms can analyze a customer's spending habits, credit history, and financial goals to offer personalized financial advice and recommend investment opportunities. Similarly, advanced analytics tools can identify emerging trends in the market, allowing businesses to adjust their strategies accordingly. The ability to harness the power of data leads to more informed decision-making and better outcomes for both businesses and their customers.

7. Scalability and Flexibility

Fintech software solutions offer unmatched scalability, allowing businesses to grow without the constraints of traditional systems. Whether it’s increasing transaction volumes, expanding to new markets, or offering additional services, fintech technologies can easily adapt to changing business needs. Cloud-based platforms, for instance, allow businesses to scale up or down quickly without incurring significant costs or requiring significant infrastructure investments.

Xettle Technologies, for example, provides scalable fintech solutions that help businesses manage their growth seamlessly, offering flexibility and adaptability in a fast-evolving digital landscape.

Conclusion

The adoption of the latest fintech technologies offers a wide range of benefits for businesses in the financial sector. From enhanced efficiency and automation to improved customer experiences, cost savings, and better security, fintech solutions are revolutionizing the way financial services are delivered. By embracing these innovations, businesses can stay competitive, drive growth, and provide more personalized and accessible services to their customers. The future of finance is digital, and those who adopt the latest fintech technologies today will be better equipped to succeed in tomorrow’s rapidly evolving market.