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The world is waking up
#social justice#current events#human rights#free palestine#gaza#free gaza#palestine#gaza strip#gaza genocide#save gaza#gazaunderattack#stand with gaza#gazaunderfire#yemen#tel aviv#jerusalem#palestine 🇵🇸#freepalastine🇵🇸#free palastine#from the river to the sea palestine will be free#click for better quality#click for higher quality#click for full quality#anti zionisim#fuck israel#political#political posting#politics#west bank#middle east
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2023’s Hottest New Online Business Model
The Brand New 3 Step A.I Powered System That Is Generating $19,118.35 Per Day In 2023
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Your reminder to Click for Palestine today!
Once you've done that, here's a fun poll:
#click to help palestine#click to help#my polls#tumblr polls#random polls#polls#polls for fun#food#food mention#how to help palestine#free west bank#end israeli occupation#arab.org#UNWRA#daily reminder#pro palestine#Palestine#gaza strip#Palestine Will Be Free#palestine israel conflict#help palestine#support palestine#ceasefire now#haza strip#from the river to the sea palestine will be free#israeli occupation#Free Palestine#how to help#Poll is NOT meant to take away from the cause but to hopefully encourage people to click + reblog and such!
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ARE LOOKING FOR A CLICK BANK AFFILIATE MARKETING WEBSITE PROMOTER!!?? AND SALES FUNNEL TO INCREASE YOUR WEBSITE SALES FOR THIS INCOMING VALENTINE!!?? Unlock the secret to skyrocket your website sales with our proven sales funnel! As a Clickbank affiliate marketer, you'll have access to a powerful tool that will drive traffic, generate leads, and convert your visitors into paying customers. With our cutting-edge strategies and techniques, you'll see a dramatic increase in your revenue and the success of your online business. Don't miss out on this opportunity to take your website to the next level
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This rare Asian root switched off my tinnitus for good
Dear Street Smart Reader, According to Georgetown University research, tinnitus has NOTHING to do with your ears… This rare Asian root can switch off YOUR ringing for good It actually has to do with “frayed wires” in your brain. And, it typically won’t show up on MRIs, CAT scans, or EEGs. Doctors can only offer you dismissive looks and “band-aid solutions” that do little or NOTHING to end…
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#click bank#ear health#ear problem#The Worst Part About Living With Tinnitus#This rare Asian root switched off my tinnitus for good
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what do you think would be in each !reader's bags?! <3
₊˚⊹♡ bambi!reader:
the queen of trinkets!! she carries a little sylvanian families’ figurine that reminds her of rafe, two little vials that contain the flowers rafe first picked for her, vanilla lipbalm, her favorite book, a jar full of buttons she swears up and down will come in handy one day (she’s always using them to replace the buttons on rafe’s shirts), change she’s found on the ground, necklace pendant that she lost the chain to, strawberry coin pouch that she ironically doesn’t put to use, earbuds, a little note rafe gave her from when they first started dating, hairbrush, brown floral hair pins, and perfume
₊˚⊹♡ pogue!sweetheart!reader:
lover of all things pink, she carries a pink compact mirror and pressed powder, a small notebook so she could write down orders for anyone who might ask, mini pink hair brush, strawberry shortcake flavored lip gloss (rafe’s personal fave), cardholder that rafe gifted her, cable lock to her camper (rafe is getting the actual lock on her door replaced soon), chocolate macaroon coin pouch she bought from the thrift, pink hairclips, sparkly nail polish, individually wrapped cookies that she gives out (despite rafe eating most of them), silver locket with a picture of her and rafe together <3, a rosary even though she’s not religious she keeps it bc the church she donated baked goods to gave it to her, a dollar folded in the shape of a heart that rafe made for her, vanilla perfume, and her favorite blush
₊˚⊹♡ kook!sweetheart!reader:
our chanel girly <3 she carries a digital camera that rafe can never escape from (he loves it), rhode lip treatment is a must have, small notebook so she could journal wherever she is (and repeatedly write rafe’s name in cursive with a heart at the end), black chanel headband that rafe randomly surprised her with, small makeup bag with all of her essentials, cuticle oil and hand cream so her mani’s always look fresh, polaroid of rafe bc she loves him soooo much, reading glasses, dior keychain (rafe got ‘sweetheart’ engraved on the back), bobby pins because she NEVER has a hair out of place, diy queen has a little altoids box wallet, mascara of course, and a hair bow!
₊˚⊹♡ farmer’s!daughter!reader:
this firecracker carries a pack of marlboro reds (they belong to rafe), her and rafe’s love letters when they had to hide their relationship from her daddy, heart shaped sunglasses of course, a vintage camera that she has no idea how the thing still works, her signature red lipstick, her red apple mascara that she swears by, peppermints because she’s an old soul at heart, a little mixtape that both her and rafe made together so they have something to listen to when they go on their evening drives, red nail polish, bottle caps from her and rafe’s first date, a multi-purpose pocket knife (she can never be too prepared), a wallet that’s older than her, cherry cola lipgloss, a pocket watch her dad gave to her, red gingham hair bow, her fav lana del rey cd (rafe also knows the lyrics word for word), and a box of matches.
₊˚⊹♡ latina!kook!reader:
our sweet angelita carries body glitter (which always ends up rubbing off on rafe), tropical scented perfume, floral hair clips, ALWAYS keeps a pair of sandals to change into when her heels become insufferable, a gifted dior wallet from rafe <3, a seashell that rafe picked up for her, fruity lipgloss, shimmery tanning oil and sunscreen (for rafe mainly lol), traditional fan, pink dior sunglasses, dior highlighter palette, various jewelry, SOMETIMES she’ll pack fruit for her and rafe to snack on when they on an impromptu beach date..
₊˚⊹♡ bitchy!kook!reader:
kildare’s very own regina george carries a powder puff, her signature eyeshadow palette, victoria’s secret card (rafe keeps it loaded at all times), vivienne westwood lighter (for when her and rafe have their little smoke sessions), poison dior perfume that rafe goes absolutely crazy for, dior lip oil, her lucky vintage chanel charm bracelet, touchland hand sanitizer, hair clips, black compact mirror, and a mini makeup bag.
₊˚⊹♡ bitchy!pogue!reader:
this mcbling queen carries her childhood ipod with all of the early 2000’s hits downloaded on it, some earbuds, a flip phone that she uses as her ‘work cell’ (rafe helped her bedazzle it), a hello kitty mirror so she could make sure her makeup is always looking fresh, hello kitty credit card (courtesy of rafe, of course), a stack of her own cash, fluffy tiara she keeps forgetting to take out of her purse, rhinestones she uses as body stickers, pink digital camera (rafe takes all of her insta pics with it), sunglasses she found at the thrift, a vape (she’s just a girl), sparkly lipgloss, and her favorite lashes.
₊˚⊹♡ sheep!reader:
the gentlest thing on kildare island carries a crochet case that she made by herself (she crochets on the golf cart while rafe and topper play on the course), a precious moments figurine, a small tub of cookies for the kids, lemon scented hand cream, patches that she still needs to sew on a pair of jeans, an envelope with rafe’s recent love letter (he writes them everyday and sends them through the mail to be ‘extra’ romantic), a calico critter that was gifted to you from one of the kids at the daycare center you volunteered at once, your fav pink teddy bear, homemade hair bow, a sun hat, and a strip of pictures rafe took at the mall.
#𝜗𝜚 ‧₊˚ ⊹ misc#click on the photos for better quality <3#₊˚⊹♡ bambi!reader#₊˚⊹♡ pogue!sweetheart!reader#₊˚⊹♡ kook!sweetheart!reader#₊˚⊹♡ farmer’s!daughter!reader#₊˚⊹♡ latina!kook!reader#₊˚⊹♡ bitchy!kook!reader#₊˚⊹♡ bitchy!pogue!reader#₊˚⊹♡ sheep!reader#outer banks#rafe cameron#rafe cameron smut#rafe cameron fanfiction#rafe cameron imagine#rafe cameron blurb#rafe cameron x reader#rafe cameron x y/n#drew starkey#rafe outer banks#obx#obx rafe#obx smut#obx imagine#obx fanfiction#obx x reader#rafe smut#rafe fanfiction#rafe x you#outer banks rafe
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OLIVER BANKS 🗣️🗣️🗣️
HELL YEAH 🗣️🗣️🗣️
(closeups + wip shots under cut)
ok im ngl. i think i cooked
#click for hd#bc tumblr buttfucked the quality. AGAIN#will this torment never cease#artists on tumblr#izel scribbles#traditional art#tma#the magnus archives#oliver banks#alcohol markers#mixed media#colored pencil#my best work#requests#lee answers asks
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#weightloss#weightlosscoffee#fatloss#quickfatloss#naturallossbody#body slimming#natural weight loss#coffee with Weight loss#click bank#amazon#nutrifrofit#weight lose product
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Shifting $677m from the banks to the people, every year, forever
I'll be in TUCSON, AZ from November 8-10: I'm the GUEST OF HONOR at the TUSCON SCIENCE FICTION CONVENTION.
"Switching costs" are one of the great underappreciated evils in our world: the more it costs you to change from one product or service to another, the worse the vendor, provider, or service you're using today can treat you without risking your business.
Businesses set out to keep switching costs as high as possible. Literally. Mark Zuckerberg's capos send him memos chortling about how Facebook's new photos feature will punish anyone who leaves for a rival service with the loss of all their family photos – meaning Zuck can torment those users for profit and they'll still stick around so long as the abuse is less bad than the loss of all their cherished memories:
https://www.eff.org/deeplinks/2021/08/facebooks-secret-war-switching-costs
It's often hard to quantify switching costs. We can tell when they're high, say, if your landlord ties your internet service to your lease (splitting the profits with a shitty ISP that overcharges and underdelivers), the switching cost of getting a new internet provider is the cost of moving house. We can tell when they're low, too: you can switch from one podcatcher program to another just by exporting your list of subscriptions from the old one and importing it into the new one:
https://pluralistic.net/2024/10/16/keep-it-really-simple-stupid/#read-receipts-are-you-kidding-me-seriously-fuck-that-noise
But sometimes, economists can get a rough idea of the dollar value of high switching costs. For example, a group of economists working for the Consumer Finance Protection Bureau calculated that the hassle of changing banks is costing Americans at least $677m per year (see page 526):
https://files.consumerfinance.gov/f/documents/cfpb_personal-financial-data-rights-final-rule_2024-10.pdf
The CFPB economists used a very conservative methodology, so the number is likely higher, but let's stick with that figure for now. The switching costs of changing banks – determining which bank has the best deal for you, then transfering over your account histories, cards, payees, and automated bill payments – are costing everyday Americans more than half a billion dollars, every year.
Now, the CFPB wasn't gathering this data just to make you mad. They wanted to do something about all this money – to find a way to lower switching costs, and, in so doing, transfer all that money from bank shareholders and executives to the American public.
And that's just what they did. A newly finalized Personal Financial Data Rights rule will allow you to authorize third parties – other banks, comparison shopping sites, brokers, anyone who offers you a better deal, or help you find one – to request your account data from your bank. Your bank will be required to provide that data.
I loved this rule when they first proposed it:
https://pluralistic.net/2024/06/10/getting-things-done/#deliverism
And I like the final rule even better. They've really nailed this one, even down to the fine-grained details where interop wonks like me get very deep into the weeds. For example, a thorny problem with interop rules like this one is "who gets to decide how the interoperability works?" Where will the data-formats come from? How will we know they're fit for purpose?
This is a super-hard problem. If we put the monopolies whose power we're trying to undermine in charge of this, they can easily cheat by delivering data in uselessly obfuscated formats. For example, when I used California's privacy law to force Mailchimp to provide list of all the mailing lists I've been signed up for without my permission, they sent me thousands of folders containing more than 5,900 spreadsheets listing their internal serial numbers for the lists I'm on, with no way to find out what these lists are called or how to get off of them:
https://pluralistic.net/2024/07/22/degoogled/#kafka-as-a-service
So if we're not going to let the companies decide on data formats, who should be in charge of this? One possibility is to require the use of a standard, but again, which standard? We can ask a standards body to make a new standard, which they're often very good at, but not when the stakes are high like this. Standards bodies are very weak institutions that large companies are very good at capturing:
https://pluralistic.net/2023/04/30/weak-institutions/
Here's how the CFPB solved this: they listed out the characteristics of a good standards body, listed out the data types that the standard would have to encompass, and then told banks that so long as they used a standard from a good standards body that covered all the data-types, they'd be in the clear.
Once the rule is in effect, you'll be able to go to a comparison shopping site and authorize it to go to your bank for your transaction history, and then tell you which bank – out of all the banks in America – will pay you the most for your deposits and charge you the least for your debts. Then, after you open a new account, you can authorize the new bank to go back to your old bank and get all your data: payees, scheduled payments, payment history, all of it. Switching banks will be as easy as switching mobile phone carriers – just a few clicks and a few minutes' work to get your old number working on a phone with a new provider.
This will save Americans at least $677 million, every year. Which is to say, it will cost the banks at least $670 million every year.
Naturally, America's largest banks are suing to block the rule:
https://www.americanbanker.com/news/cfpbs-open-banking-rule-faces-suit-from-bank-policy-institute
Of course, the banks claim that they're only suing to protect you, and the $677m annual transfer from their investors to the public has nothing to do with it. The banks claim to be worried about bank-fraud, which is a real thing that we should be worried about. They say that an interoperability rule could make it easier for scammers to get at your data and even transfer your account to a sleazy fly-by-night operation without your consent. This is also true!
It is obviously true that a bad interop rule would be bad. But it doesn't follow that every interop rule is bad, or that it's impossible to make a good one. The CFPB has made a very good one.
For starters, you can't just authorize anyone to get your data. Eligible third parties have to meet stringent criteria and vetting. These third parties are only allowed to ask for the narrowest slice of your data needed to perform the task you've set for them. They aren't allowed to use that data for anything else, and as soon as they've finished, they must delete your data. You can also revoke their access to your data at any time, for any reason, with one click – none of this "call a customer service rep and wait on hold" nonsense.
What's more, if your bank has any doubts about a request for your data, they are empowered to (temporarily) refuse to provide it, until they confirm with you that everything is on the up-and-up.
I wrote about the lawsuit this week for @[email protected]'s Deeplinks blog:
https://www.eff.org/deeplinks/2024/10/no-matter-what-bank-says-its-your-money-your-data-and-your-choice
In that article, I point out the tedious, obvious ruses of securitywashing and privacywashing, where a company insists that its most abusive, exploitative, invasive conduct can't be challenged because that would expose their customers to security and privacy risks. This is such bullshit.
It's bullshit when printer companies say they can't let you use third party ink – for your own good:
https://arstechnica.com/gadgets/2024/01/hp-ceo-blocking-third-party-ink-from-printers-fights-viruses/
It's bullshit when car companies say they can't let you use third party mechanics – for your own good:
https://pluralistic.net/2020/09/03/rip-david-graeber/#rolling-surveillance-platforms
It's bullshit when Apple says they can't let you use third party app stores – for your own good:
https://www.eff.org/document/letter-bruce-schneier-senate-judiciary-regarding-app-store-security
It's bullshit when Facebook says you can't independently monitor the paid disinformation in your feed – for your own good:
https://pluralistic.net/2021/08/05/comprehensive-sex-ed/#quis-custodiet-ipsos-zuck
And it's bullshit when the banks say you can't change to a bank that charges you less, and pays you more – for your own good.
CFPB boss Rohit Chopra is part of a cohort of Biden enforcers who've hit upon a devastatingly effective tactic for fighting corporate power: they read the law and found out what they're allowed to do, and then did it:
https://pluralistic.net/2023/10/23/getting-stuff-done/#praxis
The CFPB was created in 2010 with the passage of the Consumer Financial Protection Act, which specifically empowers the CFPB to make this kind of data-sharing rule. Back when the CFPA was in Congress, the banks howled about this rule, whining that they were being forced to share their data with their competitors.
But your account data isn't your bank's data. It's your data. And the CFPB is gonna let you have it, and they're gonna save you and your fellow Americans at least $677m/year – forever.
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/2024/11/01/bankshot/#personal-financial-data-rights
#pluralistic#Consumer Financial Protection Act#cfpa#Personal Financial Data Rights#rohit chopra#finance#banking#personal finance#interop#interoperability#mandated interoperability#standards development organizations#sdos#standards#switching costs#competition#cfpb#consumer finance protection bureau#click to cancel#securitywashing#oligarchy#guillotine watch
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HOW to make money fast with affliate marketing actionable tips bignners.
Recommended by - John crestani
Click here to Take action for free training click
#make money online#affiliate marketing for beginners#john crestani#affliatemarketing#click bank#make money from your phone#make money on clickbank
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Clickbank university 2.0 #techteacherdebashree #shorts
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this person on reddit found a copy of spiral with a bootleg box and its wrecking me. why is dead by daylight amanda here
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Make some confetti happen:
REMEMBER: you can click all of these buttons all in the same day!! And you can even click them all again while in incognito mode or in separate Google accounts! Isn't that wonderful?
#daily clicks#daily click reminder#daily clicks for palestine#arab.org#free palestine#free gaza#save palestine#gaza genocide#gaza#palestine#from the river to the sea palestine will be free#gaza strip#gazaunderattack#freedom#gaza solidarity#the gaza strip#west bank#West Bank genocide#end genocide#anti genocide#palestinian genocide#stop the genocide#israel is committing genocide#genocide#save palestinians#save the children#save gaza#save rafah#free plaestine#free palestina
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Here's your Daily Reminder to Click for Palestine!
And ofc, highly recommend you click for the other causes as well if you have time!
#reminder#click for palestine#palestine#arab.org#UNRWA#daily reminder#how to help palestine#free palestine#support palestine#ceasefire now#free gaza#gaza strip#from the river to the sea palestine will be free#don't stop talking about palestine#pro palestine#help gaza#help palestine#anti zionism#israeli occupation#end israeli occupation#end israel’s genocide#freedom for palestine#israel#free west bank#donations#jerusalem#how to help#gaza genocide
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