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mostlysignssomeportents · 8 months ago

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The antitrust case against Apple

I'm on tour with my new, nationally bestselling novel The Bezzle! Catch me TONIGHT (Mar 22) in TORONTO, then SUNDAY (Mar 24) with LAURA POITRAS in NYC, then Anaheim, and beyond!

The foundational tenet of "the Cult of Mac" is that buying products from a $3t company makes you a member of an oppressed ethnic minority and therefore every criticism of that corporation is an ethnic slur:

https://pluralistic.net/2024/01/12/youre-holding-it-wrong/#if-dishwashers-were-iphones

Call it "Apple exceptionalism" – the idea that Apple, alone among the Big Tech firms, is virtuous, and therefore its conduct should be interpreted through that lens of virtue. The wellspring of this virtue is conveniently nebulous, which allows for endless goal-post shifting by members of the Cult of Mac when Apple's sins are made manifest.

Take the claim that Apple is "privacy respecting," which is attributed to Apple's business model of financing its services though cash transactions, rather than by selling it customers to advertisers. This is the (widely misunderstood) crux of the "surveillance capitalism" hypothesis: that capitalism is just fine, but once surveillance is in the mix, capitalism fails.

Apple, then, is said to be a virtuous company because its behavior is disciplined by market forces, unlike its spying rivals, whose ability to "hack our dopamine loops" immobilizes the market's invisible hand with "behavior-shaping" shackles:

http://pluralistic.net/HowToDestroySurveillanceCapitalism

Apple makes a big deal out of its privacy-respecting ethos, and not without some justification. After all, Apple went to the mattresses to fight the FBI when they tried to force Apple to introduced defects into its encryption systems:

https://www.eff.org/deeplinks/2018/04/fbi-could-have-gotten-san-bernardino-shooters-iphone-leadership-didnt-say

And Apple gave Ios users the power to opt out of Facebook spying with a single click; 96% of its customers took them up on this offer, costing Facebook $10b (one fifth of the pricetag of the metaverse boondoggle!) in a single year (you love to see it):

https://arstechnica.com/gadgets/2021/02/facebook-makes-the-case-for-activity-tracking-to-ios-14-users-in-new-pop-ups/

Bruce Schneier has a name for this practice: "feudal security." That's when you cede control over your device to a Big Tech warlord whose "walled garden" becomes a fortress that defends you against external threats:

https://pluralistic.net/2021/06/08/leona-helmsley-was-a-pioneer/#manorialism

The keyword here is external threats. When Apple itself threatens your privacy, the fortress becomes a prison. The fact that you can't install unapproved apps on your Ios device means that when Apple decides to harm you, you have nowhere to turn. The first Apple customers to discover this were in China. When the Chinese government ordered Apple to remove all working privacy tools from its App Store, the company obliged, rather than risk losing access to its ultra-cheap manufacturing base (Tim Cook's signal accomplishment, the one that vaulted him into the CEO's seat, was figuring out how to offshore Apple manufacturing to China) and hundreds of millions of middle-class consumers:

https://www.reuters.com/article/us-china-apple-vpn/apple-says-it-is-removing-vpn-services-from-china-app-store-idUSKBN1AE0BQ

Killing VPNs and other privacy tools was just for openers. After Apple caved to Beijing, the demands kept coming. Next, Apple willingly backdoored all its Chinese cloud services, so that the Chinese state could plunder its customers' data at will:

https://www.nytimes.com/2021/05/17/technology/apple-china-censorship-data.html

This was the completely foreseeable consequence of Apple's "curated computing" model: once the company arrogated to itself the power to decide which software you could run on your own computer, it was inevitable that powerful actors – like the Chinese Communist Party – would lean on Apple to exercise that power in service to its goals.

Unsurprisingly, the Chinese state's appetite for deputizing Apple to help with its spying and oppression was not sated by backdooring iCloud and kicking VPNs out of the App Store. As recently as 2022, Apple continued to neuter its tools at the behest of the Chinese state, breaking Airdrop to make it useless for organizing protests in China:

https://pluralistic.net/2022/11/11/foreseeable-consequences/#airdropped

But the threat of Apple turning on its customers isn't limited to China. While the company has been unwilling to spy on its users on behalf of the US government, it's proven more than willing to compromise its worldwide users' privacy to pad its own profits. Remember when Apple let its users opt out of Facebook surveillance with one click? At the very same time, Apple was spinning up its own commercial surveillance program, spying on Ios customers, gathering the very same data as Facebook, and for the very same purpose: to target ads. When it came to its own surveillance, Apple completely ignored its customers' explicit refusal to consent to spying, spied on them anyway, and lied about it:

https://pluralistic.net/2022/11/14/luxury-surveillance/#liar-liar

Here's the thing: even if you believe that Apple has a "corporate personality" that makes it want to do the right thing, that desire to be virtuous is dependent on the constraints Apple faces. The fact that Apple has complete legal and technical control over the hardware it sells – the power to decide who can make software that runs on that hardware, the power to decide who can fix that hardware, the power to decide who can sell parts for that hardware – represents an irresistible temptation to enshittify Apple products.

"Constraints" are the crux of the enshittification hypothesis. The contagion that spread enshittification to every corner of our technological world isn't a newfound sadism or indifference among tech bosses. Those bosses are the same people they've always been – the difference is that today, they are unconstrained.

Having bought, merged or formed a cartel with all their rivals, they don't fear competition (Apple buys 90+ companies per year, and Google pays it an annual $26.3b bribe for default search on its operating systems and programs).

Having captured their regulators, they don't fear fines or other penalties for cheating their customers, workers or suppliers (Apple led the coalition that defeated dozens of Right to Repair bills, year after year, in the late 2010s).

Having wrapped themselves in IP law, they don't fear rivals who make alternative clients, mods, privacy tools or other "adversarial interoperability" tools that disenshittify their products (Apple uses the DMCA, trademark, and other exotic rules to block third-party software, repair, and clients).

True virtue rests not merely in resisting temptation to be wicked, but in recognizing your own weakness and avoiding temptation. As I wrote when Apple embarked on its "curated computing" path, the company would eventually – inevitably – use its power to veto its customers' choices to harm those customers:

https://memex.craphound.com/2010/04/01/why-i-wont-buy-an-ipad-and-think-you-shouldnt-either/

Which is where we're at today. Apple – uniquely among electronics companies – shreds every device that is traded in by its customers, to block third parties from harvesting working components and using them for independent repair:

https://www.vice.com/en/article/yp73jw/apple-recycling-iphones-macbooks

Apple engraves microscopic Apple logos on those parts and uses these as the basis for trademark complaints to US customs, to block the re-importation of parts that escape its shredders:

https://repair.eu/news/apple-uses-trademark-law-to-strengthen-its-monopoly-on-repair/

Apple entered into an illegal price-fixing conspiracy with Amazon to prevent used and refurbished devices from being sold in the "world's biggest marketplace":

https://pluralistic.net/2022/11/10/you-had-one-job/#thats-just-the-as

Why is Apple so opposed to independent repair? Well, they say it's to keep users safe from unscrupulous or incompetent repair technicians (feudal security). But when Tim Cook speaks to his investors, he tells a different story, warning them that the company's profits are threatened by customers who choose to repair (rather than replace) their slippery, fragile glass $1,000 pocket computers (the fortress becomes a prison):

https://www.apple.com/newsroom/2019/01/letter-from-tim-cook-to-apple-investors/

All this adds up to a growing mountain of immortal e-waste, festooned with miniature Apple logos, that our descendants will be dealing with for the next 1,000 years. In the face of this unspeakable crime, Apple engaged in a string of dishonest maneuvers, claiming that it would support independent repair. In 2022, Apple announced a home repair program that turned out to be a laughably absurd con:

https://pluralistic.net/2022/05/22/apples-cement-overshoes/

Then in 2023, Apple announced a fresh "pro-repair" initiative that, once again, actually blocked repair:

https://pluralistic.net/2023/09/22/vin-locking/#thought-differently

Let's pause here a moment and remember that Apple once stood for independent repair, and celebrated the independent repair technicians that kept its customers' beloved Macs running:

https://pluralistic.net/2021/10/29/norwegian-potato-flour-enchiladas/#r2r

Whatever virtue lurks in Apple's corporate personhood, it is no match for the temptation that comes from running a locked-down platform designed to capture IP rights so that it can prevent normal competitive activities, like fixing phones, processing payments, or offering apps.

When Apple rolled out the App Store, Steve Jobs promised that it would save journalism and other forms of "content creation" by finally giving users a way to pay rightsholders. A decade later, that promise has been shattered by the app tax – a 30% rake on every in-app transaction that can't be avoided because Apple will kick your app out of the App Store if you even mention that your customers can pay you via the web in order to avoid giving a third of their content dollars to a hardware manufacturer that contributed nothing to the production of that material:

https://www.eff.org/deeplinks/2023/06/save-news-we-must-open-app-stores

Among the apps that Apple also refuses to allow on Ios is third-party browsers. Every Iphone browser is just a reskinned version of Apple's Safari, running on the same antiquated, insecure Webkit browser engine. The fact that Webkit is incomplete and outdated is a feature, not a bug, because it lets Apple block web apps – apps delivered via browsers, rather than app stores:

https://pluralistic.net/2022/12/13/kitbashed/#app-store-tax

Last month, the EU took aim at Apple's veto over its users' and software vendors' ability to transact with one another. The newly in-effect Digital Markets Act requires Apple to open up both third-party payment processing and third-party app stores. Apple's response to this is the very definition of malicious compliance, a snake's nest of junk-fees, onerous terms of service, and petty punitive measures that all add up to a great, big "Go fuck yourself":

https://pluralistic.net/2024/02/06/spoil-the-bunch/#dma

But Apple's bullying, privacy invasion, price-gouging and environmental crimes are global, and the EU isn't the only government seeking to end them. They're in the firing line in Japan:

https://asia.nikkei.com/Business/Technology/Japan-to-crack-down-on-Apple-and-Google-app-store-monopolies

And in the UK:

https://www.gov.uk/government/news/cma-wins-appeal-in-apple-case

And now, famously, the US Department of Justice is coming for Apple, with a bold antitrust complaint that strikes at the heart of Apple exceptionalism, the idea that monopoly is safer for users than technological self-determination:

https://www.justice.gov/opa/media/1344546/dl?inline

There's passages in the complaint that read like I wrote them:

Apple wraps itself in a cloak of privacy, security, and consumer preferences to justify its anticompetitive conduct. Indeed, it spends billions on marketing and branding to promote the self-serving premise that only Apple can safeguard consumers’ privacy and security interests. Apple selectively compromises privacy and security interests when doing so is in Apple’s own financial interest—such as degrading the security of text messages, offering governments and certain companies the chance to access more private and secure versions of app stores, or accepting billions of dollars each year for choosing Google as its default search engine when more private options are available. In the end, Apple deploys privacy and security justifications as an elastic shield that can stretch or contract to serve Apple’s financial and business interests.

After all, Apple punishes its customers for communicating with Android users by forcing them to do so without any encryption. When Beeper Mini rolled out an Imessage-compatible Android app that fixed this, giving Iphone owners the privacy Apple says they deserve but denies to them, Apple destroyed Beeper Mini:

https://blog.beeper.com/p/beeper-moving-forward

Tim Cook is on record about this: if you want to securely communicate with an Android user, you must "buy them an Iphone":

https://www.theverge.com/2022/9/7/23342243/tim-cook-apple-rcs-imessage-android-iphone-compatibility

If your friend, family member or customer declines to change mobile operating systems, Tim Cook insists that you must communicate without any privacy or security.

Even where Apple tries for security, it sometimes fails ("security is a process, not a product" -B. Schneier). To be secure in a benevolent dictatorship, it must also be an infallible dictatorship. Apple's far from infallible: Eight generations of Iphones have unpatchable hardware defects:

https://checkm8.info/

And Apple's latest custom chips have secret-leaking, unpatchable vulnerabilities:

https://arstechnica.com/security/2024/03/hackers-can-extract-secret-encryption-keys-from-apples-mac-chips/

Apple's far from infallible – but they're also far from benevolent. Despite Apple's claims, its hardware, operating system and apps are riddled with deliberate privacy defects, introduce to protect Apple's shareholders at the expense of its customers:

https://proton.me/blog/iphone-privacy

Now, antitrust suits are notoriously hard to make, especially after 40 years of bad-precedent-setting, monopoly-friendly antitrust malpractice. Much of the time, these suits fail because they can't prove that tech bosses intentionally built their monopolies. However, tech is a written culture, one that leaves abundant, indelible records of corporate deliberations. What's more, tech bosses are notoriously prone to bragging about their nefarious intentions, committing them to writing:

https://pluralistic.net/2023/09/03/big-tech-cant-stop-telling-on-itself/

Apple is no exception – there's an abundance of written records that establish that Apple deliberately, illegally set out to create and maintain a monopoly:

https://www.wired.com/story/4-internal-apple-emails-helped-doj-build-antitrust-case/

Apple claims that its monopoly is beneficent, used to protect its users, making its products more "elegant" and safe. But when Apple's interests conflict with its customers' safety and privacy – and pocketbooks – Apple always puts itself first, just like every other corporation. In other words: Apple is unexceptional.

The Cult of Mac denies this. They say that no one wants to use a third-party app store, no one wants third-party payments, no one wants third-party repair. This is obviously wrong and trivially disproved: if no Apple customer wanted these things, Apple wouldn't have to go to enormous lengths to prevent them. The only phones that an independent Iphone repair shop fixes are Iphones: which means Iphone owners want independent repair.

The rejoinder from the Cult of Mac is that those Iphone owners shouldn't own Iphones: if they wanted to exercise property rights over their phones, they shouldn't have bought a phone from Apple. This is the "No True Scotsman" fallacy for distraction-rectangles, and moreover, it's impossible to square with Tim Cook's insistence that if you want private communications, you must buy an Iphone.

Apple is unexceptional. It's just another Big Tech monopolist. Rounded corners don't preserve virtue any better than square ones. Any company that is freed from constraints – of competition, regulation and interoperability – will always enshittify. Apple – being unexceptional – is no exception.

Name your price for 18 of my DRM-free ebooks and support the Electronic Frontier Foundation with the Humble Cory Doctorow Bundle.

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/2024/03/22/reality-distortion-field/#three-trillion-here-three-trillion-there-pretty-soon-youre-talking-real-money

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knightfuryvawannabee · 4 months ago

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Safely navigating DIY T – acquisition and health

A lot of the safety tips in terms of navigating online will come from this video, which is actually about safely navigating reproductive procedures post the overturning of Roe v Wade, but the safety advice works especially well here. If any questions are not answered here please feel free to shoot me an ask. Google Doc for easier navigation, says all the same stuff as here.

First off if you haven't already, check the transmasc guide on the DIY HRT Wiki, this post is made with the assumption you have already read that. - General internet safety

When searching for and purchasing DIY T (especially injections), use the TOR browser with a VPN. This will keep your internet privacy as secure as possible, and the VPN will change your IP enough to make it look like it was accessed from a different location.

I personally use Proton, it’s a free VPN with an optional paid upgrade. The free version will connect you to either the US, Netherlands, or Japan.

Proton also has its own email service. Some of the sources where you can receive DIY T from may require you to make an account. I recommend using an email through Proton for this because it is end-to-end encrypted. If the site asks for a phone number just put in a repeating order of 0 to 9.

- Safety when purchasing T

Some sites where you can get DIY T will only allow the purchase through use of bitcoin or other forms of cryptocurrency. I know and understand we all have our thoughts on crypto and it’s use in the modern day, but unfortunately this is just how things are when navigating this.

The least scam-possible way I have seen when purchasing bitcoin, is to go through CashApp. They have an option to purchase and sell bitcoin in the app. I personally used this when buying DIY T to stock up in the case shit hits the fan. It’s pretty direct in purchasing and selling, sending is where it may get a bit tricky.

The source for DIY T listed on the DIY HRT Wiki will send you an email once you confirm your order, and you will be prompted to send the bitcoin through either a QR code or directly to a bitcoin address. I had a bit of trouble with the QR code, so what I had to do was type in the direct address. This will not bring up the company’s name, it will just allow the option when the address is fully typed.

If you are able to use a credit/debit card, what I recommend is using cash to purchase a prepaid visa and using that to order your T or otherwise online. This will make sure the transaction is not attached to your bank account.

- Receiving T safely

I highly recommend getting your DIY T sent to a PO Box, and not your home address. The United States Postal Service is in personal experience – really secure and discrete. And even if your package does not fit in your box, you will be given a slip to take to the counter, and they will give you your package there.

When ordering, try to order from a warehouse based in your country. This is to avoid the hassle of it going through customs. But if you must order abroad, it is still very unlikely that your order will be stopped in customs. They do not open packages to check them, instead they use an x-ray machine. If your order does get stuck in customs, it’s likely because there’s an issue with paperwork, and not the order itself.

- Administering T safely

When performing a T injection, make sure your supplies are sterile. Not just clean, sterile. Inspect the packaging of your syringes, needles, etc. If there is a tear or hole, do not use it.

For your T vials, yes, it is okay to draw from them multiple times. You can sterilize the vial by using isopropyl alcohol (rubbing alcohol) or an alcohol swab. You’re likely to not use the entire vial in one injection, so just keep it in a safe place, many even recommend keeping it refrigerated between doses.

Most if not all T vials will say to administer only via intramuscular, but you can still administer this subcutaneously. Even the vials I get through my doctor say For IM Use Only. It’s okay to administer it SubQ.

If you have trouble administering injections like I did for a while, I recommend this auto injector. You load the syringe into the device and press a button. The needle will go in and you just push the plunger down. This device is technically intended for insulin injections, but it works just fine for other injections.

My recommendation is to use an 18g needle to draw, and a 1/2in 25g needle to inject. This has left me with the least discomfort and uneasiness with injecting.

- Blood work

If you’re on T, it’s recommended you get your labwork done at least every 3 months.

As someone who’s been given the run around in the medical field for reasons unrelated to my transition, I forever recommend ordering labs from Request a Test. This is something that is very common to do, I even ordered my own ANA test when I had to get other labs done for my work. Request a Test does not take insurance unless it’s through an HSA card. When ordering from RaQ, you will be prompted to select which LabCorp or QuestDirect facility you want the order sent to. I personally recommend LabCorp, especially considering the QuestDirect Testosterone test is only available for males.

You will want to order at a minimum, a T level total test or a T level free test, and a CBC and CMP. The CBC is to help check for polycythemia, and CMP is to help check your liver function.

If you are worried about you ordering your T levels and that being found out, you can also order an at home testosterone test kit. The blood samples are collected through lancets similar to what is used by diabetic patients.

- Acquiring T gel

Unfortunately there are not a whole lot of sources to get T gel from. But that does not mean they do not exist.

I personally have been using this brand called Androgenesis in between my injections, and it has been working really well. I take 50mg of T every two weeks, and when I got my bloodwork done recently my levels were >400, even when it’s really close to my next shot day.

You can order Androgenesis either directly from their site, or you can order it off of amazon. NOTE, that the standard formula on amazon can not be sent to a PO Box or amazon locker, because the site classifies it as a “potentially dangerous substance”. However the enhanced formula can be sent to a PO box or amazon locker and it works the exact same way.

Another site is Predator Nutrition (odd name but bear with me).

I am still waiting for my order, but I’d recommend either their EpiAndrogel or their Alpha Gel depending on which one is in stock at time of purchasing.

I also recommend keeping an eye out on Need2BuildMuscle. Their gel is currently out of stock, but from what I’ve seen it works quite similarly to AndroGel.

As of 08/02/2024 (Aug. 2nd), I did find sources for packets of 1% Androgel, which you can find here and here

Please note the brand name Androgel sources are ones I unfortunately have not been able to verify personally so please proceed at your own discretion, but the sources *are* listed on hrtcafe.net.

- Who to tell?

No one *. If you doctor doesn’t know you’re on DIY T, do not bring it up. Don’t go talking about it all willy-nilly in the grocery store or whatnot.

*The exception is paramedics. If you are having a medical emergency, it’s probably a good idea to tell any emergency medical provider that you’re on testosterone so they can treat you properly. Remember, tell the cops nothing, tell the ambulance everything. The people on the ambulance are there to save your life, and I can guarantee they’ve dealt with circumstances far more severe than someone self-administering a specific hormonal medication. I say this as someone who’s on first aid at their place of work – and had to patch someone's hand after they were injured when I worked retail.

tagging @mythical-moonlight

#diy hrt #diy t #diy testosterone #hrt #transmasc #trans resources #t gel #safety and health #ask to tag

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atlafan · 8 months ago

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“You’re acting like that meme of Jamie Lee Curtis where she’s aggressively drinking that water and telling someone off at the same time.” Layna groaned at her boyfriend who finally stopped glaring at his phone to look up at her.

“I have absolutely no idea what that is.”

“Yes you do, I’ve sent it to you before!” Layna takes her own phone out and shows him after searching it quickly on Google.

“Ohhhhh.” He smirks. “Right, now I remember. It’s usually you who looks like that when you’re about to brawl with someone.”

“Now that you’ve calmed down, can we think about what just happened rationally?”

“No, and I will try to call customer service again.” He holds his phone up to his ear.

“Your ass is not on the phone!”

“I’m listening to a voicemail!”

“Okay, Mr. Corporate.” She rolls her eyes.

“Just because I was promoted at the gym, does not make me a corporate meow meow asshole. I think it’s perfectly reasonable for to be upset about this.”

“I’m just going to go in and see if we can book a new reservation with my credit card. The room is technically available..”

“Not until I get to the bottom of this.”

“There’s nothing to get to the bottom of.” She groaned.

“The bottom is gaping. This is a job for the FBI.”

“Who are you, Kris Jenner?”

“Ew, no.” He grimaces. “She’s insane, why would you say that?”

“Because you just said…ugh! Why can’t you know the same references that I do?”

“I’m so sorry that I haven’t spent hours upon hours watching E! I’ll try to rectify that at some point. Now, let me do what I need to do.” He taps a few things on his phone and then presses it to his ear. “This is why I hate credit cards, cash is so much easier.”

Layna pinched the bridge of her nose and sighed. She reached into his pocket for the paper confirmation Harry had brought with them so they could check into their hotel with ease. He has wanted to plan a long weekend for them, so he booked everything with his name and his credit cards. When you check into a hotel, you need to show the card you used to reserve the room. The woman said the cards didn’t match. When Harry tried again, the app for his card put a lock on his account. So now they’re out on the curb trying to figure it out.

As Layna scans the paper she furrows her brows, then reaches into Harry’s pocket again for his wallet. He pays her no mind while he speaks with another representative from the card’s customer service line. She takes out the credit card he used to reserve the booking and realizes that Harry inverted the expiration date, and wrote Harry Edwerd Styles, instead of Harry Edward Styles. Two simple mistakes that the woman behind the counter could have been nicer about helping with instead of just turning them away.

“Harry…hang up the phone, baby. I figured out what happened.”

“Yeah?” He hangs up the phone. He was on hold so who cares?

“Um…I don’t want you to feel embarrassed because I’ve made mistakes like this before too, but it appears that you inverted the expiration date on your card…and spelled your middle name wrong…”

“I did?!” He snatches the card and the paper and scans them both. “I’m not seeing it.”

“Can I point to them?” She asks gently and he nods. She shows him the expiration on the card and then points to what’s on the paper. “See, the expiration is 06/29, you put 09/26…and you spelled Edward with two E’s…”

“Oh.” His cheeks redden, obviously very embarrassed by his blunder. “I should have had you look at it before I submitted…”

“It happens! I’ve done with my security code and my exportation date before. I think if we go back in, we could explain it better. And then see if that snotty lady will be cooler about the mistake.”

“This is so embarrassing.” He groans.

“I know it feels that way right now, but I promise, I’m not judging. I know your dyslexia flares up more when you’re stressed and reading all the fine print for a hotel reservation can be really daunting.” She wraps her arms around his neck and pecks his nose. “The sooner we go inside and fix the reservation, the sooner we can go to our room and I can help you forget alllll about this.”

“Might have times where I think of it randomly and I feel embarrassed all over again.” He grips her hips, squeezing them.

“Then I guess wherever we are you’ll just need to pull me aside and use me until you forget again.”

No Complaints Blurb

#no complaints #harry styles imagine #harry styles fic #harry styles smut #harry styles fluff #harry styles x reader #harry styles y/n #harry styles x y/n #harry styles x oc

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vorenado-m · 4 months ago

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happy disability pride month! please consider helping me take back my life as a disabled person!

the TL;DR is that for the last 3 months i have had an absolutely soul-sucking miserable minimum wage retail job that, due to the way scheduling works (and the app being broken as fuck) has prevented me from having access to literally any of the life-saving mental health/medical care i need as a disabled person.

my disability is best managed through a combination of medication, therapy, and casework-- not a single one of which i have had since march! :) contextually, up until i got this job, i took three daily medications and had casework once a week and therapy once or sometimes twice a week. these services are offered at an affordable cost to me through a local organization that is threatening to close my case due to lack of participation.

ill make another, more detailed post later with some of the services i can offer for money (i draw! i code! i write!) but until then here is a code you can scan if you have a few dollars to spare:

there are more details beneath the cut (idk about you guys but im kinda nosy so i wrote some more stuff in case anyone else is also nosy) but thats the gist of it. you can also always ask for details. i dont have a therapist right now so it might feel good to say things.

my plan is as follows: i would like to take the month of july more or less "off" from work to get my affairs in order, starting with scheduling appointments for therapy and casework and getting back on my meds. i am actively looking for a job, but i would like the ability to be somewhat picky instead of applying everywhere i think might have me for the sake of having money coming in to pay rent.

for the last two years i have made less than $800/mo and i can survive on roughly $600-$650 a month. my july rent ($550) is paid and my august rent (at least $500) is most likely also squared away, through a combination of some cash i was hoarding, a previous donation, my last expected paychecks from my current job, and my brother generously offering to cover whatever is left over. the extra $100ish is for roughly a months supply of the food that is part of my daily routine that i get cranky without (i have tea every morning, for instance.)

i have a fantastic roommate who is not struggling as much financially who will do everything in her power to make sure i have access to staple foods (rice, eggs, etc) so i really just need to buy the things only i consume (kimchi, milk, etc.) there is a food bank i go to, so i am not worried about food, but i can only go to it once per month. we have a barter system where i trade her the things i dont want from the food bank and she buys me things i will eat; alternatively, i sometimes give her things i get from the food bank (eg meat) that she turns into meals for both of us.

i live independently/"alone" with roommates and do not have support from my family pretty much at all. they have never been particularly useful for emotional support and have openly denied me financial support since i was a teenager. moving in with them/getting help from them/talking to them is not an option.

i have emailed my caseworker at the mental health organization i work with as well as my caseworker with the disability vocational program i work with to help me find a new job that is "back of house" and requires less customer interaction. i did this over the weekend, so i expect to hear back from them sometime this week. in the meantime, i am searching for jobs on my own in places like indeed, jobhat, careerbuilder, etc. as well as checking company websites of places like chain grocery stores to see what is available in my area.

my job pool is a bit limited due to the fact that i cannot drive (due to both my disability and the medication im supposed to be taking for it) but i am very well-versed at taking the bus, which is free. getting to and from work is not a concern for me; it is being able to do the job without being driven to the edge of a mental breakdown that is the problem.

the disability vocational program is my ticket out of poverty! last month i had a follow-up evaluation (i had to call out of work for it, but frankly i was at the end of my rope then too) where they approved my career goals as a web developer and we are in the process of deciding what my next steps are! the program will likely (depending on what route i take) help pay for vocational training, too, but i obviously have to pay rent while in training. which i think i can do if i have a job that doesnt make me want to die.

i have some other things that make my life a bit harder (im mixed race, i am nonbinary + gay, etc) but i would say those things dont really impact my ability to get a job as much as the disability does LOL which is why i did not feature them prominently in this post. like, the reason i cant get a job isnt because people dont want to hire me because i have blue hair and pronouns, its because im obviously disabled.

if you have any other questions, no matter how intrusive you think they might be, feel free to send a DM or an ask, and i will try to answer.

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graceetarot · 1 year ago

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tasteforrot · 2 months ago

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When I get to the vineyard, I notice all my coworkers are dressed a certain way—with exaggerated makeup, neon clothes, spandex. Like dolls from the ’80s. Which, I learn, is because they recently made a movie about a popular doll from the ’80s and today is the day you could dress up in homage. But I’m dressed regular. Because I didn’t know. “Well did you check [scheduling app],” my boss says. She’s got a sideways ponytail and makeup all over her face, representing a version of the doll a kid has drawn on. We’re in the walk-up bar, a converted shipping container with service windows. She’s counting cash and putting it into drawers. “No I told you, I don’t look at that shit. I refuse.” “Well there ya go dummy,” she says. She asks me if I’m gonna be ok in the customer-facing bar, because I’m usually in the service bar. She’s smiling. And I tell her that I’m trying to evolve as a person.

#Sam Pink #The Prophet

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customerservicecashapp · 2 years ago

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thomasoliver43e · 2 months ago

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ultramaga · 8 months ago

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Lately, the government and the top banks of Australia have been pushing for the eradication of payments by cash, leaving phone apps alone, and possibly a medical implant as well.

I have fought against it as best I can, buy there's not much I can do.

It's illegal to have large amounts of cash, and self defense is a crime, so storing at home is not really an option. Besides, I am a disabled pensioner, and the government decided long ago that going through the bank is mandatory.

Covid was the best opportunity they ever had to eliminate personal freedom - I mean, to force everyone to use insecure apps on insecure phones that had insecure operating systems on insecure hardware.

There were scandal when apps were exposed data harvesting, accessing information they didn't have the rights to, and even hacking the microphone and camera of the phone.

https://www.consumerreports.org/electronics-computers/privacy/how-to-protect-yourself-from-camera-and-microphone-hacking-a1010757171/

But the push to do the thing was relentless. You can't stop progress! Nobody else is complaining, the bank told me.

Except people do complain, helpless and hopeless. I worked in tech support, and would hear all day long the agony of those whose assets were cleaned out, and that was in the days of internet banking, when the scammer call centers of India were just a sparkle in Satan's Eye.

You see, the reason banks existed was that they took money in exchange for the service of PROTECTION.

Now, they take your money, and if you get robbed, that's a YOU problem.

And the government is backing them up. Remember the GFC, when most governments expressed their hatred of capitalism by backing banks no matter how badly they embezzled customers?

The Bank and the State had merged.

Mussolini's vision had succeeded.

Fascism took a century, but it in the end, it won. But I am not sure even the 1930s fascists could see this coming.

youtube

#Youtube

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justinspoliticalcorner · 1 month ago

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Adam Clark Estes at Vox:

Some people collect coins or stamps. For a time, I collected debit cards. Not stolen ones! Each one of them had my name on them, right below the logo of the latest banking app I’d decided to try out: Venmo, Cash App, Chime, Varo, Current, Acorns. For the better part of a decade, I did all my banking through these apps, enjoying their slick user experience and lack of fees. The problem with every one of them, however, is that they’re not chartered banks. If the company behind the app went bankrupt, the Federal Deposit Insurance Corporation (FDIC) would not necessarily come to my rescue. This disaster scenario was a hypothetical worry when I eventually settled for Chase and its FDIC insurance. For millions of others, it became a reality earlier this year when a company called Synapse collapsed and froze them out of their accounts. Users of Yotta, a popular savings app with a built-in lottery, and other apps that relied on Synapse to help manage their accounts couldn’t access their money for months. Now, as hundreds of thousands of Synapse customers’ dollars remain in limbo, Sens. Elizabeth Warren (D-MA) and Chris Van Hollen (D-MD) are calling for banking reforms, and the FDIC is proposing changes to its rules.

Still, a growing number of people are embracing these financial technology, or fintech, services. More than a third of Gen Z and millennials used a fintech app or a digital bank as their primary checking account, according to a 2023 Cornerstone Advisors study. So some questions are worth asking: Is it a bad idea to use an app like Venmo as your main bank? Are digital banks like Chime trustworthy enough? The answer to both questions is yes. Venmo is not a bank, and using it as your primary checking account comes with some risks. Some fintech companies, like Chime, are just as big as traditional banks and offer some nice perks. Again, because they’re nontraditional, there are risks. “You’re not going to go back to a world where everybody works with a small bank and walks into a branch,” Shamir Karkal, co-founder of Simple, one of the first digital banks. “The future is just going to be more fintech, and I think we all just need to get better at it.”

Neobanks and money transmitters, briefly explained

The term fintech can refer to a lot of things, but when you’re talking about everyday services for everyday people, it typically refers to either neobanks or money transmitters. Chime is a neobank. Venmo is a money transmitter. They’re regulated in different ways, but because most of these companies issue debit cards, many people treat them like checking accounts. Fintech apps are not the same thing as FDIC-insured banks.

Neobanks are fintech companies that offer services like checking accounts in partnership with chartered banks, which are FDIC-insured. Neobanks sometimes enlist intermediaries known as banking-as-a-service, or BaaS, companies, which are not FDIC-insured. Still, you will often see the FDIC logo on neobank websites, just like you see it stuck to the glass doors of many brick-and-mortar banks. That logo instills trust, and thanks to their partnerships, neobanks can claim some FDIC protections. But because they do not have bank charters, these neobanks and BaaS companies are not directly FDIC-insured. Instead, neobank customers can be eligible for something called pass-through deposit insurance coverage.

[...] Money transmitters, also known as money services businesses, are even further removed from the perceived safety of the FDIC. Put bluntly, if you’re keeping all your money in a Venmo or Cash App account, you don’t qualify for FDIC insurance. Money transmitters are not neobanks or banks at all but rather completely different legal entities that are regulated by individual states as well as the Department of the Treasury. There are certain protections provided by these agencies, but FDIC insurance is not one of them. So when an app like Yotta or Chime says on its website that it’s FDIC insured, it’s not a lie, but it’s not necessarily true either. Venmo, to its credit, admits in the fine print of its homepage that its parent company PayPal “is not a bank” and “is not FDIC insured.” To confuse you even more, however, certain PayPal services that enlist a chartered bank partner, like a PayPal Mastercard or savings account, might qualify for FDIC insurance. Again, it depends.

[...] That doesn’t necessarily mean that all neobanks and fintech companies are untrustworthy. In some cases, the sheer size and track record of fintech companies can instill quite a bit of trust. Chime, the largest digital bank with roughly 22 million customers, scored a $25 billion valuation in its latest round of funding and is planning to go public next year. Venmo’s parent company, PayPal, is widely considered safe and trustworthy. And don’t expect Block, the $42 billion company that owns Cash App as well as its own chartered bank, to fail any time soon. The truth is, even if there is some false sense of security, fintech apps offer certain customers features that big banks can’t or won’t. One thing that’s made Chime and many other neobanks so popular, for instance, is that they don’t charge so many fees. That’s a huge boon to young people as well as people without bank accounts. If a fintech app is your only option, then you might not care so much about FDIC insurance.

“If you’re poor in America and you’re banking at Chase or Wells Fargo, you’re going to get overdraft fees, minimum balance fees,” Mikula explained. “So there is a real need that [fintech] companies fulfill as a result of your establishment banks essentially not wanting to bank poor people because it’s difficult to do profitably.” As many as 6 percent of Americans were living without a bank account in 2023, according to Federal Reserve data. That share grows to 23 percent for those making less than $23,000 a year. The unbanked population, which disproportionately comprises Black, Hispanic, and undocumented people, is at a greater risk of falling victim to predatory lending practices, including payday loans. Some fintech companies also offer short-term loans, though they’ve been criticized for being predatory as well.

If you have Venmo, Cash App, Zelle, or any fintech or digital banking app, be aware: don’t use them as your primary checking account.

#FDIC #Venmo #Cash App #Chime #Fintech #Yotta #Neobanks #Simple #Digital Banking #Banks #BaaS #PayPal

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