#The Good Kind of Crypto

[xtruss]

How Long It Would Take A Hacker To Brute Force Your Password In 2024, Ranked

There's A Good Chance That The Password You've Been Using Since Middle School Can Be Cracked In Seconds.

— By Grant Brunner | Digg.Com

Every year, Virginia-based cybersecurity company Hive Systems releases a new table of estimates showing how long it would take for a hacker to brute force passwords of various lengths and complexities. If you're still hanging onto simple passwords like "nsync99" or "bsb4eva," these stats will definitely freak you out.

Just like last year, they're throwing the processing power of twelve RTX 4090 graphics cards against a wide variety of passwords ranging from a plain four-digit password to an 18-character password with numbers, uppercase, lowercase and symbols. However, they have moved away from assuming passwords are hashed with MD5 to bcrypt using a Blowfish cypher. As such, the average time it takes to brute force passwords has increased.

Even so, pretty much any six-character password is cracked within a day. To reach the optimal "green" level of security, you need a password with at least 13 characters made up of numbers, uppercase, lowercase and symbols.

[missr3n3]

If Elijah could, he'd say this to Luce, I can almost see it

https://www.tumblr.com/artblogbyhailey/748432521333768192?source=share

well the good news is that elijjah is blissfully unaware of luce's existence, just as luce is entirely unaware of elijah's <3

bad news is that there's something equally powerful in elijah's house, but even more pissed off. especially at joshua :)

[dashiellqvverty]

thinking about when the episode with the alt right guy happened and everyone was like roman girlies lost tonight 😔 like no??? are you a roman girlie because you LIKE HIM?? as a PERSON??? a character i enjoy watching reached the inevitable endpoint of the disgusting path he’s been on since the beginning of the show i WON

[ketchuppee]

During the 2008 recession, my aunt lost her job. Her, her partner, and my three cousins moved across the country to stay with us while they got back on their feet. My house turned from a family of four to a family of nine overnight, complete with three dogs and five cats between us.

It took a few years for them to get a place of their own, but after a few rentals and apartments, they now own a split level ranch in a town nearby. I’ve lost track of how many coworkers and friends have stayed with them when they were in a tight spot. A mother and son getting out of an abusive relationship, a divorcee trying to stay local for his kids while they work out a custody agreement, you name it. My aunt and uncle knew first hand what that kindness meant, and always find space for someone who needed it, the way my parents had for them.

That same aunt and uncle visited me in [redacted] city last year. They are prolific drinkers, so we spent most of the day bar hopping. As we wandered the city, any time we passed a homeless person, my uncle would pull out a fresh cigarette and ask them if they had a light. Regardless of if they had a lighter on hand or not, he offered them a few bucks in exchange, which he explained to me after was because he felt it would be easier for them to accept in exchange for a service, no matter how small.

I work for a company that produces a lot of fabric waste. Every few weeks, I bring two big black trash bags full of discarded material over to a woman who works down the hall. She distributes them to local churches, quilting clubs, and teachers who can use them for crafts. She’s currently in the process of working with our building to set up a recycling program for the smaller pieces of fabric that are harder to find use for.

One of my best friends gives monthly donations to four or five local organizations. She’s fortunate enough to have a tech job that gives her a good salary, and she knows that a recurring donation is more valuable to a non-profit because they can rely on that money month after month, and can plan ways to stretch that dollar for maximum impact. One of those organizations is a native plant trust, and once she’s out of her apartment complex and in a home with a yard, she has plans to convert it into a haven of local flora.

My partner works for a company that is working to help regulate crypto and hold the current bad actors in the space accountable for their actions. We unfortunately live in a time where technology develops far too fast for bureaucracy to keep up with, but just because people use a technology for ill gain doesn’t mean the technology itself is bad. The blockchain is something that she finds fascinating and powerful, and she is using her degree and her expertise to turn it into a tool for good.

I knew someone who always had a bag of treats in their purse, on the odd chance they came across a stray cat or dog, they had something to offer them.

I follow artists who post about every local election they know of, because they know their platform gives them more reach than the average person, and that they can leverage that platform to encourage people to vote in elections that get less attention, but in many ways have more impact on the direction our country is going to go.

All of this to say, there’s more than one way to do good in the world. Social media leads us to believe that the loudest, the most vocal, the most prolific poster is the most virtuous, but they are only a piece of the puzzle. (And if virtue for virtues sake is your end goal, you’ve already lost, but that’s a different post). Community is built of people leveraging their privileges to help those without them. We need people doing all of those things and more, because no individual can or should do all of it. You would be stretched too thin, your efforts valiant, but less effective in your ambition.

None of this is to encourage inaction. Identify your unique strengths, skills, and privileges, and put them to use. Determine what causes are important to you, and commit to doing what you can to help them. Collective action is how change is made, but don’t forget that we need diversity in actions taken.

[sophisticatedpjparty]

We all hate ai and want it dead ofc but do any other artists find it just a little affirming that ai image generators can't make hands. like. we've all been making the "hands are hard" jokes for years and now we've got a machine fucking them up so so badly and basically showing us that like. yes. hands really ARE that complicated. idk. food for thought.

[denoriosbelt]

little things really can make ur day. the bus was pulling into the stop and i was still across the street, where some cars were still driving so i couldn’t run across. BUT the first car saw that I needed to get on the bus and stopped for me :-) and the bus driver was closing the doors as i ran to the platform area, saw me, and reopened the doors for me :-)

[euniexenoblade]

since we're talking about call outs lately, i've been called out many times, most of which are made from lies and sometimes by altering screenshots, but the most effective call out i ever got was like, in early 2015 there was a tumblr user everyone knew was a terf, but she would say "actually i support trans women" this was before crypto terfs were as talked about so the language wasn't really there to say "hey this person is a crypto terf." but yeah some people put posts of this woman on my dash and i made a random post on my blog "why do yall reblog her shes a terf" and of course she searches her own name daily, found my post, and replied to it that me calling her a terf was racist. that was it. no other interaction. but she went on all night talking about me being racist and just making things up as she went "oh i bet she says the n word all the time irl" kind of shit that had, like no basis? But her follower base took it 100% and i literally had thousands of anons telling me to kill myself, trying to goad me into being racist (didnt work), and the most concerning thing was i got hundreds of anons being like "what was the point of doing hrt if you still look like that, you should kill yourself." It was like, violent and overwhelming. and on top of it I'd get random young teenager trans people who followed her and bought into her bioessentialism showing up in my messages being like "you give trans people a bad name" "you're why transphobia exists" etc etc it was fucking crazy.

but i lost like, no followers because everyone around me understood, this woman was a terf. this all set up the real one though.

later in the year a teenage "communist" trans girl made some snarky comment about me being racist on a post of mine blowing up. i ignored her cuz like, who cares it's just some random teenager. but i guess people were looking for a reason to hate me cuz that blew up, lots of people just took that at face value no need to investigate. when someone finally did send the girl an ask being like "hey how is she racist" she replied "I dont remember but I know she is" and even more people just took this as 100%. the thing is, i do remember her being one of those "you make trans people look bad" terf following young trans people, it's not that she didn't remember, it's that she didnt want to admit she followed a terf and she believed a terf just saying shit. I lost like 3/4s of my followers, i had a lot of people i thought were my friends just stop talking to me, and going forward every time i got a call out there would usually be a line of like "also she's racist, everyone already knows this" all cuz this girl needed to make a snarky comment cuz she just loves terfs.

the thing about the "i dont remember" bit is it made some weird game of telephone. "I dont remember" became "oh she's racist, i think she says the n word" which became "she called black bloggers the n word" like people just made shit up about me and connected it to this call out. and when id be like this isnt true id be met with a "this is just known, youre a known racist" and it's like, to this day i will still find people be like "hey good on you for growing as a person and not doing that any more" and its like I NEVER DID IT TO BEGIN WITH

[aeternusfoundation]

Shop Anything Anywhere with ATRNO Crypto Tokens

[lua-magic]

Mercury and your buisness Mind .

This blog is for those specially who wants to get into business or are confused between job and buisness or what kind of business would suit them.

Mercury is our logical mind, we also call it our business mind.

Which ever house Mercury sits in your chart that house related work or buisness you can easily get into.

Mercury in ancendent.

Native is made for business, he/she can get into any business and be successful. Such native has got strong business mind

Mercury in second houses

Mercury is exalted here, it makes you great speaker here, however this house is of family, so native can get into family Buisness or run buisness with family.

This house is alsovforbfood, so if moon is exalted then native can go into food related or kitchen or cloud kitchen business as well.

Mercury in third House.

Native would be great in communication, media, tours and travel and commission related work or business. If Mars is exalted then native can work with his siblings as well.

Mercury here decreases your courage, so native would be unwilling to take initiative, but if Mercury is not afflicted then person could work with his friends and would get support from his friends as well.

Mercury in fourth house.

There are two placement of Mercury which is tricky, one is fourth and second is in ninth house.

Whenever Mercury sits with moon or in cancer, Mercury make native obsessive and disturbs the mental peace of native.

It gives native OCD, especially if moon is afflicted then it causes anxiety, fear and overthinking.

As Mercury is fast moving planet so it makes moon highly disturbed 😧.

Remedy.

Remedy is to actually, decrease the strength of Mercury, ie, Mercury is your friend and social circle, such native should sit in isolation and should have minimum friends, Quality over quantity.

For gains and Money this placement is excellent.

Well, such natives are good in real estate, and with land related work or business.

They can also go for home related buisness like home decoration, or selling home decoration, furniture, luxury furniture, especially if their Venus is also exalted.

Mercury fifth House.

Best placement for Mercury, native is fast learner and life long Lerner and teacher.

Native would be successful due to his own intelligence, and learning.

Native could be author and writer as well.

Native could also opt for teaching and counseling.

Native can also do books related buisness.

Native is great with children and could get into buisness that is for kids, like, children book, teaching, selling toys or even writing children novel.

Mercury in sixth house.

This is the only placement where Mercury is comfortable doing job as it loves to solve day today problems, it is great problem solver here

But, you can go into service related buisness like, food service, taxi services any buisness that provides service to its customers.

Mercury is seventh house.

Relationship wise this is problematic placement, as Mercury is asexual planet and also fast moving planet, so it creates problems in relationship but buisness wise it is an excellent placement.

Native can get into retail buisness, or go for branding, networking, even make themselves as big brand.

Mercury in eitgth House.

Native thinks alot about money and gains, and money wise it is good only when native is involved in eighth house related work like Bank, insurance, CA, occult, auditing, digital marketing , crypto currency such person could also become great detective, they can go into Research and development as well.

Native is great when it comes to dealing with other's money 🤑, they make good salesman as well.

Mercury ninth house

Here, placement is challenging as Mercury damages the Jupiter, Mercury is selfish, while Jupiter is divine and loves to give that is why Jupiter rules twelfth house which house is house of giving.

Jupiter also rules ninth house, which house of Dharma, religion and rules, and Mercury being prince doesn't like to follow rules

So, when you have this placement then it is better you get into business where religion is involved like selling religious books so, you can save your Jupiter and Mercury is also happy.

But, be careful never go against morality in business because you will block all your blessings.

Native can sell, religious ornaments, things or books.

Mercury in tenth house 🏠.

Such people are great sales person and excellent at marketing and PR, these are the person who would sell comb to a bald person.

So, they make great salesman and marketing.

Such native could also work with government,or collaborate with government like government tender and work with them.

Mercury in eleventh house.

Such natives are great with masses, friends and are good in dealing with large number of people.

They should get into work that involves large numbers of people like forming corporative society, NGO, even they make great speaker, counsellor and teachers. People love to follow them, hence, they make great influencers as well

Mercury in twelfth House.

This is not good placement for Mercury and Mercury is uncomfortable here, Piesces is deep ocean and Mercury being prince doesn't like to go in dark, Mercury is also selfish so it doesn't like the idea of unconditional giving and charity which is also twelfth house.

But, twelfth house is also of, foreign land, meditation, spirituality, yoga, charity, and investment.

So, person could either work outside their motherland or get into import and export business.

They can also do business related to meditation, yoga, and spirituality.

They can also go for investment.

Now, Mercury also your speaking skills, If Mercury is afflicted by malefics then person would be extremely rude with thier words and would hurt lot of people.

When Mercury is with Mars native can go for automobiles or even in technical line.

[astaroth1357]

The MC Meeting the Brothers' (+Dia & Barbs) Cults

So like. Imagine the Brother's Fanclubs + Witchy Requests. That's this.

Contents: Satanic themes, demon stuff, witchy inspirations

~♡♡♡~

Lucifer

Lucifer's cults take this shit SERIOUSLY. They're not just fooling around with the occult, they live and breathe it.

I'm talking dark robes, goats heads, bonfires, animal blood, ritual dances- You know. The works.

Definitely the sort of occultists who gatekeep other occultists. They want the world to think of THEM, the followers of the mighty Lucifer, as THE quintessential demonic cult to model all others after. He (and by that they mean they) deserves no less.

Oh yes, they are a very prideful and obnoxious bunch... Completely void of self-awareness too. Try to point out how arrogant they're being and they'll call you crazy.

Lucifer openly despises most of them and possesses a quiet distain for the rest. He doesn't think they're nearly as competent and useful as they claim to be and would rather they simply butt out of his affairs.

He doesn't visit them much nor allow them to summon him unless it is a world-ending emergency (so never). A former past leader thought he was beyond those rules and paid for his hubris with his spine...

Lucifer will do all in his power to convince MC that his cult isn't even worth visiting. They'll annoy them to death... And even if they do go, the self-absorbed members won't exactly roll out the red carpet.

Just take down any names of the most irritating ones and Lucifer will take care of it. The dungeon rats could use some company.

Mammon

Mammon's cult kind of feels like a mix between a tech startup and Gambler's Anonymous at times. Money is the goal, babes. Everybody there is some kind of slave to the grind and they hustle like the goddamn NFL.

Funny enough, it usually isn't the already rich and successful who find themselves in Mammon's orbit, but those who are close to, if not in, poverty and looking to turn things around.... in less than stellar ways.

What I'm saying is, most are either casino regulars, scam artists, or buy into crypto.

That said, unlike most of his brothers, Mammon actually has a pretty deep soft spot for his followers. He puts on the "callous demon" act when he's brought out, but generally, he never cruel to them. He may even throw in an extra bit of help for free if he sees someone is struggling.

When they first met the MC, they really went out of their way to be sure MC was safe, pampered, and satisfied. This was Mammon's favorite human, after all! He talks about them constantly...

It's pretty humorous because most of them already know what kind of food MC likes, what their sense of style is, their favorite colors, and the like from just listening to Mammon's rambles. Or because he'll send one of them to fetch him some kind of present when he's visiting.

Admittedly, they're all kinda scummy and insufferable at times. But endearing in the same way Mammon can be so hanging out with them can still be a good time. MC just have to keep an eye on their wallet.

Leviathan

Levi's cult feels like a bunch of teens who read a creepypasta once, tested it out as a joke but found out it was all real. Thankfully, instead of being horrified, they were actually psyched!

They kind of take to devil worship with a DnD-like enthusiasm. They all have code names like, "Grimshadow" or "Evergloom," each owns a black cloak that they MUST wear to all meetings, and they all have incredibly embellished and extensive backstories for their "darkside" personas. Levi is very proud of their commitment to it all.

That being said, they do take to their found family, counterculture thing with a good dash of humor. They once all attended their local aquarium in full robes and linked hands around the jellyfish tank for shits and giggles.

Levi's followers rarely summon him, but he stays in regular contact with the group through chatrooms and messengers. They love to report on the fun "campaigns" they're building on or when they pull some kind of silly stunt to scare the normies.

When MC visits them, they've long since built up this prince/ss persona for them and treat them like the defacto second-in-command. (Partially because they know Levi would flip out if they upset MC in any way).

If MC enjoys a bit of LARPing, they're the most dedicated group they'll ever find! If they're not willing to play act royalty for a few hours...? Steer clear.

Satan

Satan has a ton of cults so they come in all shapes, sizes, and flavors. MC will certainly find one for them!

... The catch is that very few of them actually have a good idea of who Satan really is. It's pretty common to mistake him for Lucifer still, to the point that some cults use their names interchangeably, and THOSE cults better not try contact him personally.

If MC manages to uncover more updated following of Satan's, they'll feel like they walked into a "National Treasure"-style bookclub. These guys are looking for the secrets of the universe, never mind anything else.

Meeting with Satan's inner circle usually feature the search, collection, curation of old esoteric tomes or lost artifacts from the distant realms. The majority of the participants are scholars, academics, and the odd cooky conspiracy theorist who just happened to be right.

Also. Cats. Soooo many cats... The cultists are VERY aware of Satan's volatile temper, so they take pains to keep as many cats present as they can whenever they summon him. Their meeting house is just full of them...

Satan's cult gives MC the real VIP treatment because NO ONE wants to the one to tell the Avatar of Wrath that they disrespected his loved one... If MC were walking barefoot, they'd be laying pillows beneath their every step. The only things treated better are the clubhouse cats.

Asmodeus

Asmo's cult is basically one big family. Very enmeshed and a lot of history, but also soooo fascinating to be around.

If MC wanted to keep track of every person in Asmo's following, they would have to make a chart that could expand the length of an entire wall and, in some cases, go back generations if not centuries.

Followers of Asmo have historically ranged everywhere from sex workers to concubines and even members of the aristocracy looking increase their social capital. Being under his cult provided protection and refuge for the most derided of society, no matter orientation or background. A good portion of his modern following are actually members who've been grandfatherd in from parents or siblings who have joined.

And, of course, Asmo maintains a very close and personal relationship with almost all of them. He's always invited to attend baby showers, weddings, graduations, birthdays, what have you and he makes it to a good deal of them, even if only for a few minutes.

Because of its sheer size and unorthodox structure, Asmo's following almost seems like a "cult" in the loosest sense. They have rituals, spells, and meetings but it all looks SO much different than the others. Get-togthers among the adults are practically just parties and maybe you summon some succubi with goat's blood and glitter glue.

Asmo's cult can be kinda catty, but generally very supportive and they LOVE having MC around. Big gossips with a lot of questions. If they love a party, then they can't go wrong!

Beelzebub

Beel's cult takes self-indulgence to a whole new level. These guys LOVE their vices and find a little demonic touch is the best way to keep the indulgence going.

Belphegor

It's amazing that for such a sweet demon, his cult is some of the scummiest people on the planet. We're talking riding yachts on your mega-yacht levels of excess. "Too much of a good thing" taken to the extreme.

The thing is, as long as you have the money to feed Beel then he's really agreeable and kind. So wealthy assholes take advantage of his generosity all the time...

That said, don't feel too bad for Beel just yet because they ARE scumbags, but Beel is in charge and he has his limits.

One old billionaire kept summoning him during his fangol matches. The guy's maids found his nightrobe ripped to shreds and bite marks in the furniture.

Another one made a passing insult about Mammon and Beel came home to give his brother the lady's jewelry... after he washed them off, of course.

He discourages MC from meeting them even harder than Lucifer, and if they insist, he'll go with them and loom over their shoulder like a round-the-clock bodyguard. He doesn't need to tell his followers to treat MC nicely... he'll make them.

Absolutely those edgy kids who dress in all black and SAY that yeah, they've totally met Belphegor. But they really haven't, and it shows.

Remember, Belphie is on the blacklist so most witches who say they've met him are fucking liars. However, that doesn't stop novice covens searching for a little respect from claiming they're in good with the guy.

Since the group doesn't really know what Belphegor is about, they most just use their little club as an excuse to grief others and claim undue superiority. They pull a lot of pranks though, so they at least have some parts right.

Belphie has a vague awareness of their existence, but couldn't be bothered to contact them or set the record straight. What's it matter to him if a bunch of humans want to make a fool of themselves? He doesn't care that much about his reputation.

If MC were actually summon Belphegor themselves in front of them, the entire group would shit their pants immediately then cry and beg for forgiveness. Again, Belphie doesn't care, but he likes toying with fools so he'd play the part of the "Angry Master" long enough to make them run for their lives.

Needless to say, if MC wants there to be no Belphie-cult, no more Belphie cult there will be.

Diavolo

Actually a very small group since it's not super widespread that the Demon King is out of commission. But those who are there are a real who's-who of the witching world.

Dia doesn't actually interact with his cult very much, despite their combined influence, because he finds them very off-putting. Most of them are just "yes men" or social climbers wanting to get in good with royal bloodline, so he doesn't put much stock in what they do or say.

If he does contact them, it's for his "Bring Harmony" plans and they do come in handy as envoys in the human realm. He keeps the interactions brief though.

Several of his number have attempted to get into contact with MC before, but Solomon usually wards them off for much the same reason Dia does. They all just want something from them, so why let them bother his sweet little apprentice?

Those who slip through the cracks get shut down immediately by an impromptu visit from the friendly neighborhood sorcerer who seems to have some of charm in place for just such occasion. It's pretty confusing for MC to watch Solomon drag some big politican out of the house by the scruff of the neck, but it's probably better that they just don't ask and move on.

Barbatos

An even smaller group than Dia's and even more secretive. You basically have to be invited in by Barb's himself so a new member gets added every half century or so...

Nobody is quite sure what spurs Barbs to select someone into his cult... Maybe they make a good first impression when summoning him or he sees that they're important for the future? Sometimes, he'll even induct complete normal humans who weren't even witches to start with so it's anybody's guess.

Due to its small size and, frankly, years of even centuries worth of distance between members there's a lot less meetings and more just doing what Barbs says.

For instance, he may instruct a member to bury a particular message on a hill to then tell a different member to go find 60 years later... Or he'll have another member set into motion a chain of events that won't actually be felt for decades to come.

The cult members don't know about MC unless Barbs NEEDS them to know about MC. He keeps a lot in the dark. If they do, he takes pains to stress that he admires MC quite a bit and to not upset them...

When Barbatos tells you not to do something, you don't fucking do it, so they are VERY kind to MC. Just in that "I feel like there's a gun to my head"- kind of way...

[tapan4evr]

True me.. Tap-1062..

The coolest people I know:1. Don’t respond to negativity.2. Don’t speak poorly about others.3. Remain consistent in their walk of life.4. Show up on right time.5. Give without expectations.6. Deliberately remain optimistic.7. Never nitpick or brag.8. Show gratitude.9. Have good manners.10. Make no excuses.11. Shower random acts of kindness without hidden agenda. (This video got something to do…

[hashtagloveloses]

im still kind of in disbelief that that the internet like...turned on lore olympus. i get the whole "once something is popular people make it their personality to hate something", and the "incredibly online people make age gap discourse about immortal gods bc they need to touch grass," and you're certainly not obligated to like it, it's not everyone's cup of tea, but like. it is a genuinely good comic. its issues are no worse than like, most serialized web comics that have to struggle with the medium, and its art style is engaging and interesting, and has improved a lot over time. i know there was a very t*rf-led movement on here a LONG time ago starting discourse about greek myths to get crypto t*rf shit about femininity across and i know thats where some critiques come from. and it's weird that many criticisms of "modern retellings" get blamed on lore olympus bc it doesnt actually follow them - like, demeter isnt some crazy bitch, she's a character with complexity and depth.

yes the original intent of the story is changed, a story that women in ancient times could relate to about the fears of marriage, but LO actually does what modern retellings of old stories do best - modify a story to serve a similar purpose, but reflecting the modern audience's contemporary issues. in this case, embracing the complexities of love and marriage as a survivor of sexual assault, something many modern women struggle with. persephone's relationship with demeter ALSO reflects a very real struggle many modern young women have, of finding identity and sexual agency as an adult when your entire life has been controlled by a helicopter mother, even with the best intentions, and with her own trauma.

i also find the criticisms of the body types and sexuality often misogynistic and weird - people want things with a distinct, interesting style, they want women with sexual agency to be promoted and not sanitized, and yet LO gets over-criticized. how persephone dresses, how the other gods dress, changes a lot depending on level of confidence, mood, etc, and is a part of the storytelling in an interesting way. you don't have to like it, and i know there's jokes about the LO art style of drawing women, but i have a body like some of those bodies. i know other people who do, or at least similarly. it's not like a lot of comics or manga or anime where everyone is a stick, and they get to be sexy! it's nice!

and when people complain that its the only webcomic people read well then thats a YOU problem. i read a LOT of webcomics. i talk about them to people, i recommend them. romantic and otherwise. do you? do you spend as much time complaining about lore olympus as you do talking up other cool webcomics that deserve attention?

[theambitiouswoman]

Wealth Building: Money Topics You Should Learn About If You Want To Make More Money

Budgeting: This means keeping track of how much money you have and how you spend it. It helps you save money and plan for your needs.

Investing: This is like putting your money to work so it can grow over time. It's like planting seeds to grow a money tree.

Saving: Saving is when you put some money aside for later. It's like keeping some of your treats for another day.

Debt Management: This is about handling money you owe to others, like loans or credit cards. You want to pay it back without owing too much.

Credit Scores: Think of this like a report card for your money habits. It helps others decide if they can trust you with money.

Taxation: Taxes are like a fee you pay to the government. You need to understand how they work and how to pay them correctly.

Retirement Planning: This is making sure you have enough money to live comfortably when you're older and no longer working.

Estate Planning: This is like making a plan for your stuff and money after you're no longer here.

Insurance: It's like paying for protection. You give some money to an insurance company, and they help you if something bad happens.

Investment Options: These are different ways to make your money grow, like buying parts of companies or putting money in a savings account.

Financial Markets: These are places where people buy and sell things like stocks and bonds. It can affect your investments.

Risk Management: This is about being careful with your money and making smart choices to avoid losing it.

Passive Income: This is money you get without having to work for it, like rent from a property you own.

Entrepreneurship: It's like starting your own business. You create something and try to make money from it.

Behavioral Finance: This is about understanding how your feelings and thoughts can affect how you use money. You want to make good choices even when you feel worried or excited.

Financial Goals: These are like wishes for your money. You need a plan to make them come true.

Financial Tools and Apps: These are like helpers on your phone or computer that can make it easier to manage your money.

Real Estate: This is about buying and owning property, like a house or land, to make money.

Asset Protection: It's about keeping your money safe from problems or people who want to take it.

Philanthropy: This means giving money to help others, like donating to charities or causes you care about.

Compounding Interest: This is like a money snowball. When you save or invest your money, it can grow over time. As it grows, you earn even more money on the money you already earned.

Credit Cards: When you borrow money or use a credit card to buy things, you need to show you can pay it back on time. This helps you build a good reputation with money. The better your reputation, the easier it is to borrow more money when you need it.

Alternate Currencies: These are like different kinds of money that aren't like the coins and bills you're used to like Crypto. It's digital money that's not controlled by a government. Some people use it for online shopping, and others think of it as a way to invest, like buying special tokens for a game.

[mostlysignssomeportents]

Biden wants to ban ripoff “financial advisors”

I'll be at the Studio City branch of the LA Public Library on Monday, November 13 at 1830hPT to launch my new novel, The Lost Cause. There'll be a reading, a talk, a surprise guest (!!) and a signing, with books on sale. Tell your friends! Come on down!

Once, American workers had "defined benefits pensions," where their employers promised to pay them a certain amount every year from their retirement to their death. Jimmy Carter swapped that out for 401(k)s, "market" pensions where you have to guess which stocks will be valuable or starve in your old age:

https://pluralistic.net/2020/07/25/derechos-humanos/#are-there-no-poorhouses

The initial 401(k) rollout had all kinds of pot-sweeteners that made them seem like a good deal, like heavy employer matching that doubled or even tripled the value of every dollar you put into the market for your retirement. But over the years, as Reaganomics took hold and workers' power ebbed away, all these goodies were clawed back. In the end, the market-based pension makes you the sucker at the poker table, flushing your savings into a rigged casino that is firmly tilted in favor of finance barons and other eminently guillotineable plutocrats.

Neoliberalism is many things, but most of all it is a cult of individualism. The fact that three generations of workers are nows facing down retirement without pensions that will provide them with secure housing and food – let alone money to see the odd movie, buy birthday gifts for their grandkids, or enjoy a meal out now and then – is framed as millions of individual failures, not a systemic one.

In other words, if you are facing food insecurity and homelessness after a lifetime of hard work, it's because you saved wrong. Perhaps you didn't save enough (through a 40-year run of wage stagnation and skyrocketing housing, health and education costs). Or perhaps you saved wrong, making the wrong bets on the stock market. If you can't afford to run your air conditioner during a heat dome, that's on you: you should have been better at stocks.

Apologists for this system will say that you don't have to be good at stocks – you just have to pay an Independent Financial Advisor to pick the stocks for you and you'll be fine. But IFAs don't work for free! What if you can't afford one?

Enter "predatory inclusion" – the practice of offering scammy, overpriced and substandard products to poor people and declaring it to be a good deed, because otherwise, those poor people would have to do without. The crypto bubble relied heavily on this: think of Spike Lee and others shilling for pump-and-dump scams as a way of "building Black wealth":

https://www.nytimes.com/2021/07/07/business/media/cryptocurrency-seeks-the-spotlight-with-spike-lees-help.html

More recently, Intuit and other scammy tax-prep services have argued against the IRS's plan to offer free tax preparation as bad for Black and brown people, because it will deny them the chance to be deceived and ripped off with TurboTax:

https://pluralistic.net/2023/09/27/predatory-inclusion/#equal-opportunity-scammers

Back in 2018, Trump won the predatory inclusion Olympics, when his Department of Labor let the Fifth Circuit abolish the "Fiduciary Rule" for Independent Financial Advisors:

https://www.investopedia.com/updates/dol-fiduciary-rule/

What was the Fiduciary Rule? It said that your IFN had to put your interests ahead of their own. Like, if there were two different funds you could bet on, and one would pay your IFN a big commission, while the other would be a better bet for you, the IFN couldn't put your retirement savings into the fund that offered them a bribe.

When Trump killed the Fiduciary Rule, he proclaimed it a victory for poor people, especially Black and brown people. After all, if IFNs weren't allowed to accept bribes for giving you bad financial advice, then they would have to make up the difference by charging you for good advice. If you couldn't afford that advice, well, you'd have to make bad retirement investments on your own, without the benefit of their sleazy self-dealing.

The Biden Administration wants to change that. Biden's Acting Labor Secretary is Julie Su, and she's very good at her job. Last spring, she forced west coast dockworkers' bosses to cough up the contract they'd stalled on for a year, with 8-10% raises for every worker, owed retroactively:

https://pluralistic.net/2023/06/16/that-boy-aint-right/#dinos-rinos-and-dunnos

Su has proposed a way to reinstate the Fiduciary Rule, as part of the Biden Administration's war on junk fees, estimating that this will increase retirees' net savings by 20%:

https://prospect.org/labor/2023-11-07-julie-su-labor-retirement-savers/

The new rule will force advisors who cheat their clients to pay restitution, and will require them to deliver all their advice in writing so that this cheating can be detected and punished.

The industry is furious, of course. They claim that "The Market (TM)" will solve this: if you get bad retirement savings advice and end up homeless and starving, then you will choose a different advisor in your next life, after you are reincarnated (I guess?).

And of course, they're also claiming that forcing IFNs to stop cheating their clients will deny poor people access to expert (bad) advice. As the Financial Services Institute's Dale Brown says, this will have a "negative impact on Main Street Americans’ access to financial advice":

https://www.fa-mag.com/news/legal-challenge-predicted-for-new-dol-fiduciary-proposal-75257.html

Here's that rule – read it for yourself, then submit a comment expressing your views on it. The government wants to hear from you, and administrative law requires them to act on the comments they receive:

https://www.federalregister.gov/documents/2023/11/03/2023-23782/proposed-amendment-to-prohibited-transaction-exemptions-75-1-77-4-80-83-83-1-and-86-128

Su is part of a wave of progressive, technically skilled regulators in the Biden administration that resulted from a horse-trading exercise called the Unity Task Force, which divvied up access to top appointments among the progressive wing and the finance wing of the Democratic Party. The progressive appointments are nothing short of incredible – the most competent and principled agency leaders America has seen in half a century:

https://pluralistic.net/2023/10/23/getting-stuff-done/#praxis

But then there's the finance wing's appointments, like Judge Jacqueline Scott Corley, who ruled against Lina Khan's attempt to block the rotten Microsoft/Activision merger (don't worry, Khan's appealing):

https://pluralistic.net/2023/07/14/making-good-trouble/#the-peoples-champion

Perhaps the worst, though, is Biden's Secretary of Commerce Gina Raimondo, a private equity ghoul who did a stint for the notorious wreckers Bain Capital before founding her own firm. Raimondo has stuffed her department full of Goldman Sachs alums, and has sidelined labor and civil society groups as she sets out to administer everything from the CHIPS Act to regulating ChatGPT.

As Henry Burke writes for the Revolving Door Project and The American Prospect, Raimondo's history as a corporate raider, her deference to the finance sector, and she and her husband's conflicts of interest from their massive stakes in companies she's regulating all serve to undermine Biden's agenda:

https://prospect.org/economy/2023-11-08-commerce-secretary-gina-raimondo-undercutting-bidenomics/

When the administration inevitably complains that its popular economic programs aren’t breaking through the media coverage, they’ll have no one to blame but themselves.

The Unity Task Force gave us generationally important policymakers, but ultimately, it's a classic "pizzaburger." If half your family wants pizza, and the other half wants burgers, and you serve them something halfway in between that makes none of them happy, you haven't made a wise compromise – you've just made an inedible mess:

https://pluralistic.net/2023/06/17/pizzaburgers/

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/2023/11/08/fiduciaries/#but-muh-freedumbs

[the-offside-rule]

Max Verstappen (Red Bull Racing) - Champagne Problems

Requested: fucking HIGHLY requested

Prompt: it's basically how Max and Y/n began their little affair from Farewell

Farewell: Part 1, Part 2

Champagne Problems: Part 2

Warnings: cheating, FICTION

Y/n smiled politely as the cameras flashed around her. This would be the first time she would be at the FIA Gala as an F1 driver. She was there when she was in F2 two years ago, and ultimately missed out last year after a very disappointing year in Williams. She posed and laughed, becoming more or less effortlessly gorgeous, easily the most gracious woman in the room and it didn't go unnoticed.

Many of her fellow drivers watched from the sidelines, one of these was Max who had his girlfriend tapping away on her phone mindlessly as he watched on. There was something about her when he first met her. Her honesty, her urge to befriend the grid. It made her likable from the get go and now that she was his teammate, he couldn't help but steal glances at her from across the garage. Despite the six-year age gap, there was an undeniable connection between them. Max, usually confident on the track, found himself feeling a bit uneasy around her. "Our turn." Kelly said, taking Max from his trance. He looked up to see Y/n gone and all the cameras noe turned in anticipation of who was to come next. "Right. Let's go." He smiled,grabbing her hand and leading her to the carpet.

Max walked backstage, being briefed on how the whole main event of the two teammates walking out would work. "So I just have to stand in the bit on the floor eith white tape?" Max asked. "Yes well you have to-" The voice faded away as he spotted Y/n smiling as she got her makeup touched up. God she looked stunning, but that's not something anyone should ever feel about their teammate, especially when she's younger. Max stood looking forward beside Y/n. They stood silently before Max coughed and managed to get a "hello" out. "I was beginning to think you were ignoring me." Y/n chuckled. "Never. I could never ignore you. You're far too loud and bubbly." Y/n turned to look at him and he did the same for her. "Don't pretend you hate it." She smiled.

"If you don't mind me saying-" He paused and looked between both of her eyes. "You look very good tonight." She nodded and smiled. "I know." Max chuckled. "I'd say you do." The pair looked forward, returning to their professional composure. "You know, I don't like these kind of events." She said. Max turned his head slightly so he could look at her in the corner of his eye. "I don't like having to dress up. I would prefer for us to just head somewhere with our Red Bull stuff on." She joked making Max laugh. "I mean if it suits you wear it."

"Introducing, newly crowned two time World Champion, Max Verstappen and the first woman to grace the grid in years, his 19 year old teammate, Y/n Y/l/n."

As Max stood next to his World Championship trophy, he searched the room for his teammate, desperately wanting to find her. Eventually he spotted her face, once bright and smiley now looking bored as she found herself surrounded by men. He chuckled and set his glass aside before grabbing the bottle of champagne beside him and making his way over to the small group. "But you see, crypto is the future and I would even go as far to say-"

"Hello Y/n!" She turned to see her teammate with a beaming smile upon his face. "Max." She replied. "Sorry to interrupt, but would you mind if I borrowed her from you. Y/n and I need to discuss some things. Excuse us." Max said, guiding her away with a knowing smile. As they walked away, Y/n couldn't help but feel the magnetic pull between them. "Of course." She turned to the guests and excused herself before quickly rushing off with Max. "Thank god. I don't think I could've listened to them talking about crypto currency for another minute." Max laughed, whisking her away with a charming smile. "Saved by the Max Verstappen." Y/n teased, her eyes meeting Max's. "Just returning the favor for you helping me this year." Max replied, a playful glint in his eyes. "You hardly needed me for something, did you?" She asked. "No, I just thought you needed help out of that situation and I happen to have a full bottle of champagne."

The pair found themselves on the balcony of the gala, away from prying eyes, continuing their conversation. Max, still hesitant to admit his feelings, spoke about the unique dynamics of their partnership on the track. "You know," Max began, clearing his throat. He turned to see Y/n looking at him. His knees went weak before continuing on. "We make a great team out there. I mean you're young, you're basically fearless and then...me?" He stopped, confused where he was going with this. "Old and wise?" He looked at her offended. "I'm not that old." She looked back out onto the view with a subtle smirk. "Well, you're not so bad yourself, Max. Maybe it's the teamwork that's making us stand out."

"Maybe it's something else?" Y/n took a deep breath in as Max continued on. "How do you mean?" She asked. Max fought in his head whether or not he should admit to these immoral thoughts he had about her. "Nothing." He muttered back, grabbing the champagne from Y/n and taking a swig sipping from the bottle. "Well you've started it now, you may as well finish it." Y/n said. The air between them crackled with unspoken emotions, and Y/n could sense Max's internal struggle, torn between his feelings and loyalty to his girlfriend. "Just say it." She whispered. Max let out a sigh and kept looking out onto the view, not brave enough to look into her eyes in case he fell in love. "There's something about you, Y/n. I can't put a name to it but it's there."

"I've noticed, Max. It's been there all season." He let out a breath of relief, knowing she felt the same. "So, what exactly do we do now?" He asked. "Because-" He turned to her, taking her hand into his. She locked eyes with him. She never realised how blue they were before but now she can't help it, seeing the twinkling lights within them. "I can't promise anything, but I can't deny what I feel either." She nodded. "I understand, Max. I just-" He closed the gap between them, pecking her lips gently. He pulled away, staring at her in disbelief of what he had just done. "I am so sorry." He whispered. She took a deep breath. "Do it again."

It didn't take long for his hands to cup her face and pull her in again for another kiss. The kiss deepened and his hands dropped to her waist, while hers went under his buttoned shirt. This is the passion he had wanted with her. Y/n, her head generally always thinking of what others would say if they saw this, didn't care as Max pushed her back towards the ledge on the balcony and began to kiss her neck. Her fingers twirled through his hair, messing it as his now stained lips drew lilac bruises from her skin. She grinned, pulling him back up to engulf him yet another kiss when-

"Max!" The pair jumped apart by the sound of the sudden voice. "Max!" Their PR manager. "Yeah?" He called back, fixing his shirt back into his trousers. "We just need you for some photos!" Max wiped Y/n's smudged lipstick away from her lips and allowed her to fix his tie and his own lips. "Coming!" He shouted back. "If you find Y/n on the way in, can you call her in too?" Max looked down to Y/n grinning. "Of course!"

"Max?" He turned back, looking at her. "How about a movie at my hotel tonight?" She asked, twiddling with her fingers. Max didn't know what to do. "Um, maybe it's not such a good idea right now. I mean-" He paused gesturing inside. "My girlfriend is here and I don't think she would-"

"No, no, I get it. I think we just let the champagne get to us." She said. "Yeah. But if its any consolation, if I was single, you would- I mean I would love to- you- yeah." He couldn't quite finish his sentence. Y/n nodded. "Thanks." She mumbled. "I will-" He stopped. "I'll talk to you later." Y/n nodded again. "I'll be in soon. I. Just going to have a look at the view." She smiled, reassuringly. Max nodded and turned to leave. How could he do that? How stupid was he? Then again, she asked him to kiss her again. Did it mean anything?

As the gala drew to a close, Max and Y/n lingered closely to one another, their eyes speaking volumes. Max hesitated, his unspoken desire evident, but his unspoken loyalty to his girlfriend still there, but being questioned. "Should we leave?" Kelly asked, sensing that Max was not feeling it anymore. He nodded, a soft smile on his lips. "Alright. We should say goodbye to the other guests then." Kelly held his hand gently and pulled him along to say goodbye to everybody. "Leaving so early? You're not drunk already, are you?" Christian chuckled, patting Max on the back. Max chuckled as he rubbed his forehead with his fingers. "I don't know. I've had a lot of people buying me drinks and then a whole bottle of champa-"

Max looked to Christian's right to see Y/n, looking between both his eyes. He felt the air stuck in his lungs as she stared right into his very soul. "I'll see you on the track, Y/n," Max finally said, his voice carrying a mix of regret and longing. Y/n, understanding the complexity of their situation, smiled softly. "Looking forward to it, Max." He opened his arms for a hug to which Y/n reluctantly fell into. How long would this awkwardness go on for? And how long would it take for someone to figure it out? The pair pulled away with Max giving an awkward smile. "See you next year." He whispered. "Likewise." And so, she watched him as he walked away, out of sight but most definitely not out of mind.

[mako-neexu]

all guda related stuff in mahoyo collab

summoning as a highly complicated magecraft -> highly intact sense of self, magical energy, magical crest, sheer willpower........you who is light and equally dark....

casual comments/banter to the people they trust

guda getting shocked of all things at a talking bird www

gudako -> young girl that likes to jog every morning

gudao -> brat that likes small time candy store sweets

UGH the further emphasis on Servants being familiars that no one - not anyone should just use (exceptional...)

stressing the role of a 'Master'

'I also make mistakes a lot'

"I still don't see what's so special about summoning."

guda screams during summons? lmao kind of reminds me of mash with lord camelot

the way guda just refers to other people as 'that another human' www (i know 'person' is more accurate but to me it sounds like an alien in disguise calling someone as 'fellow human' ww)

Of COURSE guda knows how to stop their own pulse

disbelief. perhaps gut feeling. guda's perception of death to others. (i guess in the face of unnatural they would doubt it. but considering Id chapter, it would depend on the person and how theyre closest to?)

'more like tobimaru' 'more like soujyuurou' getting angry on behalf of someone without letting it show as well... i Understand.

THE TOPIC OF AGING KILLS ME. WHAT DO YOU MEAN YOU ARE HESITANT????? dont yokuwakaranaina ME????

Don't face world-ending disasters alone

IM CRYING OH MY GOD IM NOT WELL "did you sleep well?" "i slept peacefully because the night was quiet and nice" AUGH GUDAAAAA😭

probably nothing of note but additional descriptor to guda is that they look like a college student as compared to previous descriptions of being 'high school student'.......

not being good at horror stories 🥹 reminds me of summer 5...

(unwell) i forget about guda's tactical prowess sometimes (lies) + guda's mention of the looking glass reminds me of berkercas valentines...

Subtle but gudao's reaction to beating down kashin is 'exhausted or relieved' meanwhile for dako she has the 'doubt' in her dialogue

subtle again but theres a hesitance to guda when asked about what the future looked like. but their second option is saying "eh there arent any flying cars anyways"

ahh okay now i know the crypto stuff guda said. its from gudao. is this MHX's influence lmao. gudao youre advertising crypto seriously? ww

guda casually joking about the times they astral project out of their body likes its nothing and mash is not normal either of course and treats it as regular occurrences. well, its regular but for a normal average person in the 21st century, it certainly isnt ww

GUDA ONCE AGAIN PROVING that despite being 'camera' for us players, they actively hide information and i am not over that fact. (knowing who the culprit is before most of the rest-)

guda not hesitating at ALL to rayshift back to 1999 where the end of the world was supposed to happen www

Ah!! To encourage kinomi in confessing, guda confessed their own out in the open!!!

A bakery with the one they love / A wish to reach the South Pole

You may not be able to have all of your dreams, your nights be peaceful, but I hope that you will still be rewarded at the end of your journey 😭