I almost got scammed! How to avoid my mistakes.
I’ve been pretty quiet on my social medias for a bit for a lot of reasons, and one of them being that I very nearly fell for a scam that would’ve cost me $2000. Several calls to my bank later, it’s finally all been sorted out, which means I can finally talk about the whole thing. Even though I didn’t end up losing much of anything (certainly nowhere near $2000), I don’t want any other commissions artist to go through this for the crime of giving someone the benefit of the doubt that doesn’t deserve it.
I do commissions online. I got a message on Instagram from someone wanting me to do a picture for their daughter’s birthday this month, offering to pay me way above my commission rates ($200) for what I assumed was a rush job. They provided pictures and lots of details about what their daughter liked and what would be good to include in the picture, and I even drew up a sketch for them. The way my commissions work, I take the full payment once the sketch had been approved, and so far, everything was looking normal.
That is, until, they revealed they were going to pay by check. And really I’m just going to give you the biggest TL;DR piece of advice: Just don’t take checks. It’s not worth it. The reason is that they’re prone to scams because when you deposit a check, the funds will show up in your account. That doesn’t mean the check has cleared, and won’t bounce. This is incredibly annoying to research because so many google results will tell you that a check ‘clears’ within 1 to 2 days, but that’s because the law requires the funds to be made available that quickly. If they find out the check is forged or bad-- WHICH CAN TAKE A MONTH OR LONGER-- you not only get hit with a returned item fee, but the money vanishes from your account.
So say, if the person you’re assuming is trustworthy has told you they “accidentally” wrote a check for $2000 instead of $200, and gave some excuse why they couldn’t simply write a new check, and came up with the brilliant suggestion of just having you deposit it and then Zelle them the remaining $1800-- If you do all that, suddenly you’re out $2000.
I came dangerously close to falling for it. When the person wanted to email me a scan of the check (so I could use mobile deposit, which I did because I figured it’s a rush job and they didn’t want to wait to mail the physical check, look I’m not smart okay--) AND THEN suddenly demanded I use Zelle to instantly give them the money, that’s when I got suspicious. I literally googled “Scams that use Zelle” and found my exact situation. But I figured it’d be fine if I waited until the check fully cleared and kept my bank in the loop, which is why I risked depositing it. I figured I was at no risk until I actually sent them the money, and I still wanted to believe this was a legitimate customer, and I really liked the idea of making $200. Which definitely blinded me to better things I could’ve done. Like, you know, not depositing the check and demanding a different method of payment.
It’s been about a forty days since I deposited the check. Three calls to my bank’s fraud department + one physical visit (two of which told me they might find me culpable for depositing the check and burn my account, which was scary) is what it took to get this mess sorted out. ONE OF THOSE CALLS TOLD ME THE CHECK HAD 100% CLEARED AND HAD A 0% CHANCE OF BOUNCING. I almost Zelled this person the money that night.
Seriously. If you get a bad feeling, trust that. That’s the only thing that saved me here. So did getting lots of advice from family and friends about how this stuff works.
TL;DR Here’s a quick and dirty list of red flags I learned just from this single experience:
Insisting on paying with a check is a red flag by itself if I’m honest, but especially if they just mail you an image of it and expect you to mobile deposit it. Seriously just don’t do this I don’t know what I was thinking
Especially especially if they insist on paying with a check and then want you to give them money with some instant form of payment, like Zelle.
If all their accounts have different names. (This one was Jessie something, their email was Shawn, they wanted me to Zelle to another account with a different name.)
If their account is a generic name + number thing. (Like jessie.10 or something.) I know a few legitimate people with accounts like that but it’s just one of many boxes to tick.
If they seem way too trusting to give a stranger on the internet a crazy amount of money with the expectation that you’ll pay them back. I’d never met this person and they were saying they trusted me with the $2000, I just had to give them my word that I’d give it back.
If they’re offering you well above your commissions prices. They want to blind you with the idea of a big payday when they’re paying with imaginary money.
If they put a ton of pressure on you to respond quickly. This person kept spamming me with Instagram audio calls early in the morning or while I was at work.
If they say stuff like this, which honestly was the biggest gift they could’ve given me because it just removed all doubt:
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You know, actually, there's one distinctive trait, a very simple reason that had me fall in love with sskk.
They meet each other for the first time; they don't hate each other. Akutagawa was just doing his job (rip), and Atsushi's main sentiment towards Akutagawa was fear- hatred too, maybe, but nothing more than any other mafia operative. They don't know each other yet.
Then, they get to know each other. They start to understand each other's reasons and motivations as they share-scream them with each other while fighting. They start to understand each other, and that's when they start hating each other like they've never hated anyone before. But why is that? Where does all this loathing come from? It's quite simple: because as soon as they started knowing each other, they started seeing themselves in the other; and the person both of them hate more than anyone else is themselves. You don't even need to check how both of them have themselves listed as their own major dislike on their respective profiles to perceive that: it's already more than evident by simply taking a look at their self-destructive tendencies, need for validation, null self-esteem they've been carrying through the whole manga. They see themselves in the other, end they hate themselves, so they hate the other too.
But then. Then they start to see something else too. They start to see how broken the other is. They start to see how kind the other is. They start admiring how strong the other is!! And they start questioning, how is that person not worth of love? Isn't it beautiful how they lived through hell, yet they're still standing? And finally!! A slow realization makes its way through them. If they are worthy of love, and they are like me- doesn't that mean I'm worth of love too? If they're worthy of living, does that mean that so am I?
And that's how their feelings of hating themselves, hating each other, loving each other, loving themselves come full circle. That's the thing I love about this ship: how the journey towards learning to love each other is actually a journey to learning to love themselves. And I think that's beautiful :')
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izuku "blessed" panel moment
those of you who follow me on my irl twitter may have read say the title of this blogpost in one of my tweets. the actual reference is to a panel in my hero academia where midoriya izuku is eating dinner with his classmates and reflects on his current enjoyment of life (his mentor is proud of him, his love interest is talking to him, he's gaining control of his superpowers / quirks). it all culminates in this moment where he says in one panel "i am too...", leading to the panel i'm referencing: "blessed" (then there's a joke bc one of the characters is trying to ask him for some sauce on the table and izuku is too distracted lmao).
i used to tweet this out whenever i spent some random night with college friends: we'd prob be drunk in the kitchen and watching tv. this panel is the last of izuku's thoughts we see before He Literally Starts Fighting The Big Bad TM In A War, and that's how i saw college graduation (i used to see it as a big separator from those friends / ppl i'd never see again).
now i think abt this panel more often but with less of the Fighting A War aspect. mostly bc i AM seeing my friends after graduation!!! i've already visited some of y'all and i'll see others later this year :))
here's a list of some of those moments where i'm just grateful for existing:
my lesbian cats sleeping next to me on the couch, occasionally waking up to stretch / snuggle closer to me
drinking with my roommate and her best friend
the kid i'm volunteer-tutoring to read is doing so well! and i'm helping her with some math too!!
re-learning french for my friend who "doesn't like speaking english in big cities" lol
eating some really good food + reading a really good book
having the power to plan vacations to see ppl (esp M in the spring + K in the summer!)
putting up polaroids of the cats on the fridge
giving my parents Nice Presents
my teammates they/them-ing me during team meetings
(and prob so many more i'm forgetting)
idk, feeling slightly emotional on this friday night
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