#2022-06-21

[lemonsbakery]

the best thing anyone has ever said to me is "tbh i think the reason why i started slowly getting back into mark's (markiplier's) content is cause i kinda recognized u in his personality" LIKE HOLY SBIT. HELLO I LOVE YOU SO MUHC /P THAT MAN RAISED ME AND I LOVE HIM SM TO THIS DAY

[correctprivaterecording1quotes]

Platy: Do you go to bed with silence? We talked about this when we were playing Jackbox, do you go to bed with silence or no?

Chilled: I put on this app where it's just periodic screaming every forty seconds. Reminds me of my childhood.

[glimmerofawesome]

[bluesman56]

View down the deck by Tony

[elicatkin]

[baizhuo]

#BAIZHUO . ❛ is it really selfish of me to defy the inevitable ? ❜

🐍🌺 . carrd . doc . home .

a private & highly selective HEADCANON based BAIZHU of genshin impact ; written by GHOST ( 27 , they / them ) . activity will always be selectively low . this blog is UNAFFILIATED to the genshin impact community & is crossover FRIENDLY to any mixed media .

IMPORTANT UPDATES BELOW .

🐍 Leaks & Spoilers

Tag your LEAKS or i will unfollow.

I don't care about content that is already found within the game. I am fine with stuff that is already available to play. I am talking about content that is yet to come. The new update information and patch notes are already on thin ice most of the time and i am not overly fond about it but what I really don't enjoy is rumours about the game. Stuff that isn't really 100 percent confirmed.

if you don't understand this, then to put it simply. do NOT talk about anything that ISN'T found within the game. if its something you can find in the game and it's available then I'm chill about it.

Of course this doesnt include like.... personal HCs and whatnot.

🐍 notifications & tags  

tumblr does not notify me of any @ ’ s . you can @ me if you would like , it pops up on the activity page , i just do not get notified directly / immediately , so i will not see your notif right away . my dash is relatively slow , often , so i read that like the morning paper , but i also am not frequent enough on here to always know .

this also goes for anybody who tags me in things . the tumblr tagging system does not pick up most ( if not all ) posts with my url . i cannot use the tag tracking system . at all . i never have been able . i do not know why either i am sorry !

if you want to notify me of something or bring to my attention something / a reply, please dm me directly ! it is also better if you dm me in discord . if you do not have my discord , then you can use the tumblr dms ( but they are not always great either ) . if push comes to shove , you can then use my inbox as well , i will not mind if you get my attention like that either !

know that the only thing i do see / notice are likes & reblogs of posts that are on my blog . so that is fine . i don’t need notifications for threads as much .

i promise you it is okay i love getting messages . i just tend to hyperfocus A LOT at times while other times i cannot focus at all & i get really distracted with my squirrel brain . it is okay to gently remind me of something or try to get my attention ! i know many people don’t like that , which is why i don’t do it to others , but i 100 % promise you that it is okay .

🐍 about spoilers

i actually don’t pay attention to genshin spoilers or the videos that come out for them right way . i try to actively avoid them tbh . if it isnt in the game directly , then i don’t really perceive it . if I happen to come across it , then cool , but otherwise ... please refrain from directly telling me / showing spoilers that are NOT in the game . i dont mind if its spoilers that are already IN the game . 

but for upcoming content that isn’t found in the game , please assume that i don’t know wtf is coming into the game , & assume that i don’t actively look for these patch notes , because i really dont . there is a reason why i dont look this stuff up . i am somebody that wants to enjoy the game for what it already has & not what it will have .

🐍 i do modify my formatting for people on request !

if my formatting for your replies / threads bothers you in any way , shape , or form , please tell me . i promise that i can accommodate you . i format AFTER i write the entire reply anyway . so it will not be a bother for me if you dont want to have that . i have friends who have asked in the past . 

i use small font and edit html for the colour . if any of this bothers you ( be it cause you genuinely cannot read it or you dont like it ) , please let me know & i will modify it for you .

* you are always more than welcome to send asks if you have any questions *

[fernand0]

Flores amarillas. 

(2023-03-24) (2022-12-11) (2022-12-11) (2022-12-24) (2022-12-24) (2022-12-24) (2023-01-21) (2023-01-21) (2023-02-09) (2023-02-09) (2023-03-06) (2023-03-06) (2023-03-24) (2023-03-24) (2023-03-24) (2023-03-24) (2023-03-24) (2023-03-24)

[mostlysignssomeportents]

The CFPB is genuinely making America better, and they're going HARD

On June 20, I'm keynoting the LOCUS AWARDS in OAKLAND.

Let's take a sec here and notice something genuinely great happening in the US government: the Consumer Finance Protection Bureau's stunning, unbroken streak of major, muscular victories over the forces of corporate corruption, with the backing of the Supreme Court (yes, that Supreme Court), and which is only speeding up!

A little background. The CFPB was created in 2010. It was Elizabeth Warren's brainchild, an institution that was supposed to regulate finance from the perspective of the American public, not the American finance sector. Rather than fighting to "stabilize" the financial sector (the mission that led to Obama taking his advisor Timothy Geithner's advice to permit the foreclosure crisis to continue in order to "foam the runways" for the banks), the Bureau would fight to defend us from bankers.

The CFPB got off to a rocky start, with challenges to the unique system of long-term leadership appointments meant to depoliticize the office, as well as the sudden resignation of its inaugural boss, who broke his promise to see his term through in order to launch an unsuccessful bid for political office.

But after the 2020 election, the Bureau came into its own, when Biden poached Rohit Chopra from the FTC and put him in charge. Chopra went on a tear, taking on landlords who violated the covid eviction moratorium:

https://pluralistic.net/2021/04/20/euthanize-rentier-enablers/#cfpb

Then banning payday lenders' scummiest tactics:

https://pluralistic.net/2022/01/29/planned-obsolescence/#academic-fraud

Then striking at one of fintech's most predatory grifts, the "earned wage access" hustle:

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

Then closing the loophole that let credit reporting bureaus (like Equifax, who doxed every single American in a spectacular 2019 breach) avoid regulation by creating data brokerage divisions and claiming they weren't part of the regulated activity of credit reporting:

https://pluralistic.net/2023/08/16/the-second-best-time-is-now/#the-point-of-a-system-is-what-it-does

Chopra went on to promise to ban data-brokers altogether:

https://pluralistic.net/2024/04/13/goulash/#material-misstatement

Then he banned comparison shopping sites where you go to find the best bank accounts and credit cards from accepting bribes and putting more expensive options at the top of the list. Instead, he's requiring banks to send the CFPB regular, accurate lists of all their charges, and standing up a federal operated comparison shopping site that gives only accurate and honest rankings. Finally, he's made an interoperability rule requiring banks to let you transfer to another institution with one click, just like you change phone carriers. That means you can search an honest site to find the best deal on your banking, and then, with a single click, transfer your accounts, your account history, your payees, and all your other banking data to that new bank:

https://pluralistic.net/2023/10/21/let-my-dollars-go/#personal-financial-data-rights

Somewhere in there, big business got scared. They cooked up a legal theory declaring the CFPB's funding mechanism to be unconstitutional and got the case fast-tracked to the Supreme Court, in a bid to put Chopra and the CFPB permanently out of business. Instead, the Supremes – these Supremes! – upheld the CFPB's funding mechanism in a 7-2 ruling:

https://www.scotusblog.com/2024/05/supreme-court-lets-cfpb-funding-stand/

That ruling was a starter pistol for Chopra and the Bureau. Maybe it seemed like they were taking big swings before, but it turns out all that was just a warmup. Last week on The American Prospect, Robert Kuttner rounded up all the stuff the Bureau is kicking off:

https://prospect.org/blogs-and-newsletters/tap/2024-06-07-window-on-corporate-deceptions/

First: regulating Buy Now, Pay Later companies (think: Klarna) as credit-card companies, with all the requirements for disclosure and interest rate caps dictated by the Truth In Lending Act:

https://www.skadden.com/insights/publications/2024/06/cfpb-applies-credit-card-rules

Next: creating a registry of habitual corporate criminals. This rogues gallery will make it harder for other agencies – like the DOJ – and state Attorneys General to offer bullshit "delayed prosecution agreements" to companies that compulsively rip us off:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-creates-registry-to-detect-corporate-repeat-offenders/

Then there's the rule against "fine print deception" – which is when the fine print in a contract lies to you about your rights, like when a mortgage lender forces you waive a right you can't actually waive, or car lenders that make you waive your bankruptcy rights, which, again, you can't waive:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-warns-against-deception-in-contract-fine-print/

As Kuttner writes, the common thread running through all these orders is that they ban deceptive practices – they make it illegal for companies to steal from us by lying to us. Especially in these dying days of class action suits – rapidly becoming obsolete thanks to "mandatory arbitration waivers" that make you sign away your right to join a class action – agencies like the CFPB are our only hope of punishing companies that lie to us to steal from us.

There's a lot of bad stuff going on in the world right now, and much of it – including an active genocide – is coming from the Biden White House.

But there are people in the Biden Administration who care about the American people and who are effective and committed fighters who have our back. What's more, they're winning. That doesn't make all the bad news go away, but sometimes it feels good to take a moment and take the W.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/06/10/getting-things-done/#deliverism

[skrubu]

A secluded little figure #detail #västranylandsfolkhögskola #vnf #karis #finland #grinch #silhouette https://instagr.am/p/Cmb6nCtIIvv/

[mft-toyama]

久しぶりの本業報告、 パークに「アトラクションアイテム」を導入しました! リストバンドで貯めたコインで、ターボエンジンや大砲などの強化アイテムを交換、アトラクションの遊び方が広がります。 自分は全アトラクションを繋ぐ共通部分や他、色々と実装しました。 https://t.co/Ndm9rKmBed https://t.co/vrMPBWZdvM

— kiyo | Interactive Engineer (@kiyossy0715) Dec 21, 2022

[weather-log]

Partly Cloudy

📈最高気温: 11度 📉最低気温: 4度 💦湿度: 60% 💥UV指数: 0 😷花粉: 💨風速: North 8 Kph 🌅日出: December 21, 2022 at 06:47AM 🌇日入: December 21, 2022 at 04:32PM 📅December 21, 2022 at 06:03AM

[kodittomat]

Jekku Petterille rauhallinen koti Jekku Petteri

[mvanwesterlaak]

The Emotional Labor of Being a Leader https://t.co/E58ktRIjSS https://t.co/HCnzgdK4r5 | mwesterl | https://twitter.com/mwesterl/status/1594567791809552385

[bluesman56]

A new Cruise line by Tony

[elicatkin]