#financial safety

[amaditalks]

This whole issue of whether the “vetted“ crowdfund campaigns for Gaza’s families are legitimate really points up a pretty basic tenet of Internet and financial safety that a whole lot of people have either never been taught or have forgotten.

Only give money directly to individuals with whom you have a relationship of trust, or to people who are personally known and trusted by people with whom you have a relationship of trust.

This should also be your standard offline.

Now I’m not talking about giving a few dollars to a stranger outside the Burger King asking for help to get food.

But campaigns trying to raise thousands of dollars? Those demand special scrutiny.

And if you are 3 degrees or more removed from the person who will benefit, or can only rely on the word of a virtual stranger about legitimacy, it makes much more sense to give money to a trustworthy organization instead, so you can be sure that your money will actually help people and not line the pockets of a scammer.

[voittoinsights]

10 Money Hacks Every Millennial Needs to Know !

1. Millennial Money Mindset: Embracing Financial Freedom As millennials, we face a unique set of financial challenges that our parents and grandparents never encountered. From the burden of student loan debt to the rising cost of living, it can feel like an uphill battle to achieve financial freedom. However, with the right mindset and strategies, we can overcome these obstacles and pave the…

[bankingbeer]

Keeping Your Accounts Safe: Detecting Identity Fraud And Financial Crimes

[tradingbells]

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[bankiq-frc]

"In today's digital landscape, the threat of fraud has grown exponentially. Cybercriminals are becoming increasingly sophisticated, utilizing advanced technology to exploit vulnerabilities in online transactions and personal information sharing.

To combat this evolving menace, real-time fraud detection has emerged as a critical defense mechanism.

Gone are the days of traditional fraud schemes involving fake checks and elaborate disguises. Contemporary fraudsters operate from behind screens, employing complex algorithms and stolen data to orchestrate their cybercrimes. This necessitates the adoption of equally advanced methods for detecting and preventing fraud in real time.

Real-time detection is akin to a race against the clock, as traditional methods of fraud detection, which rely on manual reviews and retrospective analysis, no longer suffice. Real-time fraud detection involves continuous monitoring of transactions as they occur, leveraging AI-powered algorithms to analyze patterns and identify anomalies. This proactive approach allows for immediate action, flagging suspicious activities before they can escalate into major security breaches.

[marzipanandminutiae]

thoughts on "tradwives" as a 19th-century social historian

It's great until it's not.

It's great until he develops an addiction and starts spending all the money on it.

It's great until you realize he's abusive and hid it long enough to get you totally in his power (happened to my great-great-aunt Irene).

It's great until he gets injured and can't work anymore.

It's great until he dies and your options are "learn a marketable skill fast" or "marry the first eligible man you can find."

It's great until he wants child #7 and your body just can't take another pregnancy, but you can't leave or risk desertion because he's your meal ticket.

It's great until he tries to make you run a brothel as a get-rich-quick scheme and deserts you when you refuse, leaving your sisters to desperately fundraise so your house doesn't get foreclosed on (happened to my great-great-aunt Mamie).

It's great until you want to leave but you can't. It's great until you want to do something else with your life but you can't. It's great. Until. It's. Not.

I won't lie to you and say nobody was ever happy that way. Plenty of women have been, and part of feminism is acknowledging that women have the right to choose that sort of life if they want to.

But flinging yourself into it wholeheartedly with no sort of safety net whatsoever, especially in a period where it's EXTREMELY easy for him to leave you- as it should be; no-fault divorce saves lives -is naive at best and dangerous at worst.

Have your own means of support. Keep your own bank account; we fought hard enough to be allowed them. Gods willing, you never need that safety net, but too many women have suffered because they needed it and it wasn't there.

[supreme-leader-stoat]

[timothy-kang]

Successful You—How to Overcome Financial Difficulties

The financial difficulties are attributed to an individual, not a bad economy. Any economic situation could not be problematic if you have healthy finances—low debt, enough savings, stagnant active and passive income, and extra cash.

The financial difficulties are attributed to an individual, not a bad economy. Any economic situation could not be problematic if you have healthy finances—low debt, enough savings, stagnant active and passive income, and extra cash. In my case, I often faced financial difficulties during my 20s and 30s. But, strangely, I didn’t know why such financial problems occurred to me repeatedly. So, I…

[kstargroup]

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Nothing is more important than your life and your ability to make a living. So it makes good sense to insure your greatest asset – 𝐓𝐇𝐀𝐓 𝐈𝐒 𝐘𝐎𝐔.

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[kitespark]

sorry to all of you white middle aged man lovers out there but shane madej subtly shifting the blame with the whole 'steven, talk about money' feels like a pathetic way to salvage the hip leftist uncle persona he's got going on and you all are waiting for him to return to your embrace like some prodigal son who was forced and didn't go on his own accord

[justinspoliticalcorner]

Craig Harrington at MMFA:

The economic policy provisions outlined by Project 2025 — the extreme right-wing agenda for the next Republican administration — are overwhelmingly catered toward benefiting wealthier Americans and corporate interests at the expense of average workers and taxpayers. Project 2025 prioritizes redoubling Republican efforts to expand “trickle-down” tax cuts for the wealthy and deregulation across the economy. The authors of the effort’s policy book, Mandate for Leadership: A Conservative Promise, recommend putting key government agencies responsible for oversight of large sectors of the economy under direct right-wing political control and empowering those agencies to prioritize right-wing agendas in dealing with everything from consumer protections to organized labor activity. [...]

Project 2025 would chill labor unions' abilities to engage in political activity. Project 2025 suggests that the National Labor Relations Board change its enforcement priorities regarding what it describes as unions using “members' resources on left-wing culture-war issues.” The authors encourage allowing employees to accuse union leadership of violating their “duty of fair representation” by having “political conflicts of interest” if the union engages in political activity that the employee disagrees with. [Project 2025, Mandate for Leadership, 2023; National Labor Relations Board, accessed 7/8/24]

Project 2025 would make it easier for employers to classify workers as “independent contractors.” The authors recommended reinstating policies governing the classification of independent contractors that the NLRB implemented during the Trump administration. Those Trump-era NLRB regulations were amended in 2023, expanding workplace and labor organizing protections to previously exempt American workers. [Project 2025, Mandate for Leadership, 2023; The National Law Review, 6/19/23; National Labor Relations Board, 6/13/23]

Project 2025 would reduce base overtime pay for workers. The authors recommend changing overtime protections to remove nonwage compensatory and other workplace benefits from calculations of their “regular” pay rate, which forms the basis for overtime formulations. If that change is enacted, every worker currently given overtime protections could be subject to a slight reduction in the value of their overtime pay, which the authors claim will encourage employers to provide nonwage benefits but would effectively just amount to a pay cut. The authors also propose other changes to the way overtime is calculated and enforced, which could result in reduced compensation for workers. Overtime protections have long been a focus of right-wing media campaigns to reduce protections afforded to American workers. [Project 2025, Mandate for Leadership, 2023, Media Matters, 7/9/24]

Project 2025 proposes capping and phasing out visa programs for migrant workers. Project 2025’s authors propose capping and eventually eliminating the H-2A and H-2B temporary work visa programs, which are available for seasonal agricultural and nonagricultural workers, respectively. Even the Project 2025 authors admit that these proposals could threaten many businesses that rely on migrant workers and could result in higher prices for consumers. [Project 2025, Mandate for Leadership, 2023]

Project 2025 recommends institutionalizing the “Judeo-Christian tradition” of the Sabbath. Under the guise of creating a “communal day of rest,” Project 2025 includes a policy proposal amending the Fair Labor Standards Act to require paying workers who currently receive overtime protections “time and a half for hours worked on the Sabbath,” which it said “would default to Sunday.” Ostensibly a policy that increases wages, the proposal is specifically meant to disincentivize employers from providing services on Sundays as an explicitly religious overture. [Project 2025, Mandate for Leadership, 2023]

[...]

International Trade

Project 2025 contains a lengthy debate between diametrically opposed perspectives on international trade and commerce.Over the course of 31 pages, disgraced former Trump adviser and current federal inmate Peter Navarro outlines various proposals to fundamentally transform American international commercial and domestic industrial policy in opposition to China, primarily by using tariffs. He dedicates well over a dozen pages to obsessing over America’s trade deficit with China, even though Trump’s trade war with China was a failure and as he focused on China, the overall U.S. trade deficit exploded. Much of the rest of Navarro’s section is economic saber-rattling against “Communist China’s economic aggression and quest for world domination.”In response, Kent Lassman of the conservative Competitive Enterprise Institute promotes a return to free trade orthodoxy that was previously pursued by the Republican Party but has fallen out of favor during the Trump era.

The Heritage Foundation’s Project 2025 agenda would be a boon for the wealthy and a disaster for the working class folk.

See Also:

MMFA: Project 2025’s dystopian approach to taxes

[coochiequeens]

Disabled men can know how to use their disability to be controlling

[bicheetopuff]

Yes, Katsuki Bakugou may have died today but, I encourage you all to get more excited about the fact that the International Court of Justice has officially declared Israel an apartheid state as of yesterday and has ordered them to remove all existing settlements from the West Bank🥳

[mickstart]

Here's the thing about street circuits. I also think they don't suit the current size of F1 cars and should be special and unique not the norm. But if F1 is going to keep adding new tracks they need to be either street circuits or older circuits renovated to be up to modern FIA standards. We cannot keep building new circuits it uses up so many resources and takes up so much space and then is functionally useless for most of the year. It's like a golf course but worse, and almost all of the major new circuits built for F1 in the 2010s are now literally abandoned and rotting because F1 moved on to someone else with more money.

In an ideal world F1 would stop adding new circuits altogether and it would rotate existing circuits to keep the calendar exciting, whilst helping new destinations without a certified fia track to revitalize and upgrade existing tracks to add them to that rotation cycle. Places with absolutely zero race tracks would make street race destinations - again, to be cycled on the calendar. This would be better for the environment, better for the Motorsport community as a whole, MASSIVE for motorsport heritage, and better for the racing tbh as we would see tracks adapted from a VARIETY of architects on the calendar.

But f1 won't do this for the same reason it left those 2010 tracks high and dry. Its own greed. They want new flashy destinations without having to consider the culture, the space, and existing Motorsport in those destinations. (SEE: building Miami and Vegas when the us has so many suitable tracks.) They want The Most Races Ever every year. They want to expand and expand and expand BC that's what you DO under capitalism, line goes up forever. So until the ballooning money involved in F1 and the FIA as a whole is brought under control, this isn't going to happen. They know building new circuits is 1) unsustainable and therefore unpopular for their image 2) hard to convince people to spend money on right now. But they still want to expand, and they sure as fuck don't want to HELP fund their destination unless it's Miami where millionaires will pay to be seen on the grid.

So, I can't help but expect we're just going to keep seeing more and more street circuits on the calendar until either the F1 bosses are visited by 3 ghosts or the sport collapses under its own weight.

[so-i-did-this-thing]

If you wanna know how it's going in Florida as a trans person: we have 3 very scary bills proposed (SB1674, HB1421, SB254) which stand to block - for adults - insurance coverage, bathroom access, and possibly even most transition care itself (not a ban, but still effectively one due to a whole slew of restrictions, including to telemed).

Crow and I had planned on moving to CT before the presidential election, but I needed to figure out an emergency timeline if a bill blocks access to my HRT and I can't find another local provider.

So, I made a spreadsheet of when emergencies could trigger and when I might need to stretch my T stash out while I flee Florida. Worst case: a bill immediately goes into law the day I pick up my next refill and I get denied. (Remember, testosterone is a controlled substance and it is a felony if I try to DIY.)

Every time I pick up my testosterone Rx, I can shift this emergency date further into the future. And if the bad bills fail, this emergency scenario goes away.

But looking at my closest "get the hell outta Dodge" date made me realize I need to step up on packing things I know can sit in storage for a while. Hence, all the bins.

Prepare for the worst, hope for the best.

If you're in a state like Florida that is proposing to effectively ban your care, start planning *now* so you know when you might have to make some difficult decisions. Start researching other providers and what you'd need to do for access.

I'm sharing my thought process not to scare trans people, but to give a bit of a framework for this decision-making, be it moving, saving money to pay costs OOP, hopping providers, etc. My emergency dates are based on when my HRT runs out and (for now) doesn't reflect upon the bills' current movement.

I know I am privileged to be able to leave now with most of my things, and am using that to go ahead and make a safe haven in my new home for friends fleeing in less ideal scenarios who would need temporary housing.

Thanks to all my friends reaching out with support. Our safety next is strong enough to where hopefully we should just need a place to crash with 3 cats on the drive up.

Good luck, stay safe, fight as long as you can, and afford yourself all the grace you can muster.

[kvetcher2]

I hate hustle culture/grindset/girlboss shit as much as the next person but being financially independent or at the very least having your own source of income is one of the most important safety measures you can take as a woman