#I'm just a dollar sign to people!

[puppycheesecake]

The craziest thing for me about the Twilight set is you /could/ do low-effort clothing that actually seems on theme! Slap some Hot Topic shirt designs on a Maxis mesh! Splash some blood on it for extra credit!

Not safe enough. Needs to be blander for maximum broad appeal. After all it's all about that subscriber number!

[icewindandboringhorror]

It's always interesting to hear about people's weird/unexpected "alternate life paths". Like, something that you could have done with your life, a job you almost took, a school you almost went to, etc - that was still actually realistic enough that it could have happened, but NOW it seems to not suit your current personality.

Like for example, I currently hate advertising (how manipulative it is, brands trying to be 'relatable', social media amplifying it to an obnoxious extreme, etc.) so much that even seeing a little ad before a youtube video is grating to even witness, but there was a point in time where I was genuinely seriously considering going into marketing/making commercials as a career lol. Or like, I have a relative who was very inclined to be a pastor when they were younger, even though today they're a super strong atheist, etc. etc.

[thresholdbb]

I never wrote about winning the cosplay contest at STSF (lol wild), but here's the prize certificate:

On the one hand, I (almost didn't enter and) didn't think I was going to win, but on the other hand, they kept talking about a cash prize. And ok, cash prizes have weird legal issues or whatever, but this certificate is bound only to the Creation merch tables, where they sell t-shirts and bags with AI art on them. I asked what I could use it for and the lady said "maybe" I could put it towards a photo op, but it also says no tickets, so that's still up in the air.

That night, Eugene Cordero was hanging out with us at the afterparty (lol hey Rutherford (!!!???) you're super chill) and someone mentioned I'd won the contest/I probably said something about my $500 worthless prize. So he signed it to make it worth "less"

ANYWAY, all this to say

If I can use it towards a photo op (doubtful), and there is a group Voyager cast shot (cause hello expensive and I am, how you say, not formally employed), I think it'd be hilarious to do Threshold mutant Tom Paris

It seems highly doubtful, but it's a thought that at least keeps me quite amused

[yardsards]

the other day i was on the way to meet a friend from out of town and i saw a billboard by the highway that read "YOUR ADVERTISEMENT HERE: JUST $16 A DAY!"

the town i live in has very little going for it except the local university. there are permanent residents, families and retirees and businesses, but the place just seems to hollow out when the school year ends and the summer begins and swathes of college students go back to their hometowns and parents, or just to travel to places more with more prospects. not to mention all the graduates. (though this small, dwindling town still feels like a bustling metropolis to me, who grew up in the middle of the woods)

many leases you can find here don't last a full year and don't charge monthly. they just last the school year and charge by the semester (and usually include all your utilities in the rent). if you wanna stay for the summer, you need to sign a special addendum. and normally they charge just by the week or even by the day (often at a cheaper rate than staying during the school year) because usually people don't even want to stay the *whole* summer. (i stay the whole summer in this town every year. (though almost yearly i move apartments, finding better places a couple blocks away instead of renewing my lease for another year). my parents' house in the woods has never been a true home to me, and i avoid returning there at all costs.)

my previous apartment calculated costs by the day over summer breaks. they charged me exactly $15 daily to live there (including the essential utilities like electric and water, but not non-essentials like internet)

that's $1 cheaper than it was to rent that fucking billboard

and that had me Feeling some sort of way

i could look at it purely optimistically and say "yay! affordable rent!". i certainly don't think the rent should cost *more*

but it's like. seeing that sign just felt so... is kafkaesque the right word for it? i don't know

it's just like. we all know money is Fake in a way and that all prices are pretty arbitrary. and rent prices are ESPECIALLY arbitrary, (as is the concept of renting in general). but that exact one dollar difference just. emphasized it in a way that's so hard to describe.

that billboard was surrounded by 3 identical ones, all of which had their ad-space in use. so 3 businesses presumably pay that daily $16, to put up an eyesore by the side of the road in hopes that it'll make them more money. enough money to rent a home for a human being used to rent a home for an ad. economics is so nonsensical.

[letterstotheflre]

i hate that taylor and her team always take down every video or podcast on spotify w one of her unreleased/exclusive songs. like let people enjoy your music?? if you're going to exclusively sell it to one group of people then you know people who couldn't get it bc of different reasons are going to come up w ways to listen to it. why are you so hateful

[swashbucklery]

Anyway it has never been more clear to me that I have no idea how to find the corner of Critical Role fandom that shares my opinions (is there a corner of CR fandom that shares my opinions? possibly not) but I am DYING over Deni$e and will follow her to the ends of the earth and ship her with everyone. The truly bonkers combination of Barbarian/Rogue? Chef’s kiss.

[dolokhoded]

the fact that people own ipads sounds fake to me

[turtburglers]

Guys it's not real. We gotta get better at identifying shit like this.

Elon’s being weird again. Threatening everyone on twitter for calling his weird friends weird.

[inkskinned]

i got rickrolled today but it didn't work because i have adblocker installed, so youtube just told me i violated the terms of service. yesterday i was trying to edit a picture as a joke for my girlfriend, and google made me check a box to prove i'm human because i wasn't "searching normally".

it isn't just that capitalism is killing fun and whimsy, it is that any element of entertainment or joy is being fed upon by this mosquito body, one that will suck you dry at any vulnerability.

do you want to meet new friends in your city? download this app, visit our website, sign up for our email list. pay for this class on making a terrarium, on candlemaking, on cooking. it will be 90 dollars a session. you can go to group fitness, but only under our specific gym membership. solve the puzzle, sign up for our puzzle-of-the-month-club. what is a club if not just a paid opportunity - you are all paying for the same thing, which makes you a community.

but you're like me, i know it - you're careful, you try the library meetings and the stuff at the local school and all of that. the problem is that you kind of want really specific opportunities that used to exist. you are so grateful for libraries and the publicly-funded things: they are, however, an exception - and everything they have, they've fought tooth-and-nail to protect. you read a headline about how in many other states, libraries have virtually nothing left.

do you want to meet up with your friends afterwards? gift your friends the discord app. you can choose to go to a cafe (buy a coffee, at least), a bar (money, alcohol) or you can all stay in and catch a movie (streaming) or you can all stay in bed (rent. don't get me started) and scream (noise complaint. ticket at least).

you want to read a new book, but the book has to have 124 buzzwords from tiktok readers that are, like, weirdly horny. you can purchase this audiobook on audible! your podcast isn't on spotify, it's on its own server, pay for a different site. fuck, at least you're supporting artists you like. the art museum just raised their ticket price. once, they had a temporary exhibit that acknowledged that ~85% of their permanent art galleries were from cis white men, and that they had thousands of works by women (even famous women, like frida! georgia o'keefe!) just rotting in their basement. that exhibit lasted for 3 months and then they put everything away again.

walmart proudly supports this strip of land by the street! here are some flowers with wilting leaves. its employees have to pay out-of-pocket for their uniforms. my friend once got fined by the city because she organized a community pick-up of the riverfront, which was technically private property.

no, you cannot afford to take that dance class, neither can i. by the way - i'm a teacher. i'm absolutely not saying "educators shouldn't be paid fairly." i'm saying that when i taught classes, renting a studio went from 20 bucks an hour to 180 in the span of 6 months. no significant changes to the studio were made, except they now list the place as updated and friendly. the heat still doesn't work in the building. i have literally never seen the landlord who ignores my emails. recently they've been renting it out at night as an "unusual nightclub; a once-in-a-lifetime close-knit party." they spent some of those 180 dollars on LEDs and called it renovating. the high heels they invite in have been ruining the marley.

do you want to experience the old internet? do you want to play flash games or get back the temporary joy of club penguin? you can, you just need to pay for it. i have a weird, neurodivergent obsession with occasionally checking in to watch the downfall and NFT-ification of neopets. if i'm honest with you all - i never got into webkins, my family didn't have the money to buy me a pointless elephant. people forget that "being poor" can mean literally "if i buy you that toy, i can't afford rent."

you and i don't have time to make good food, and we don't have the budget for it. we are not gonna be able to host dinner parties, we're not made of money, kid. do you want some kind of 3rd space? a space that isn't home or work or school? you could try being online, but - what places actually exist for you? tiktok counts as social media because you see other people on it, not because they actually talk to you.

there was a local winter tradition of sledding down the hill at my school. kids would use pizza boxes and jackets and whatever worked, howling and laughing. back in september, they made a big announcement that this time, rules were changing, and everyone must pay 10 dollars to participate. when im not scared shitless, i kind of appreciate the environmental irony - it hasn't gone below 40. so much for snow & joyriding.

i saw a bulletin for a local dogwalking group and, nervous about making a good first impression, showed up early. the first guy there grimaced at me. "sorry," he said. "there's a 30-dollar buy-in fee." i thought he was joking. wait. for what? the group doesn't offer anything except friendship and people with whom to walk around the city.

he didn't know the answer. just shrugged at me. "you know," he said. "these days, everything costs money."

[fazcinatingblog]

Taylor Swift concert should become like the grand final where they put a big screen outside the ground, set up food trucks, merch stalls, etc for anyone without a ticket and

[jlf23tumble]

“just don't know what'll be that surprising but i know that i won't be there and yet i'll still find out all about it” is a FANTASTIC approach! people seem to be genuinely anxious about this which makes sad because i know fomo is a real thing and it is not fun to feel. so if i could offer any advice i’d say make some plans with family or friends (or with yourself!) to do something fun, delete the tumblr/twitter/instagram apps of your phone for the day, or at least until the concert is over, then you can log back in afterwards and all the content will be right there ready for you to consume minus the often anxiety inducing speculation of when/how/what is gonna happen!

Fomo is definitely a thing, but there's also a lot of breathless speculation about all KINDS of shit that's just out there, churning and ramping up, so it ends up being its own messy circle jerk of annoyance. But yeah! "Missing it" is a misnomer, you'll still get to see it, probably hundreds of times and from better angles than you would in person (and literally thousands of dollars cheaper)!

[cipheramnesia]

Everything about the USA will make you feel as if your whole ability to reason and think coherently has just flown away.

I'm thinking right now about a radio advertisement I overheard for Indeed - a theoretical jod search website. The advertisement, however, was directed at companies who were searching for employees. Presumably these companies pay Indeed to serve as a hub for their job postings and applicants. So Indeed wants people signed up, because more accounts shows more potential applicants and they can get more money from companies looking for employees. There's no money in actually connecting applicants to positions, so you sign up, make the account, discover you signed up for a portal that just sends you to other company's jobs pages with the same info and spams you with jobs you don't want, and you leave forever. Money in the bank.

Meanwhile on the hiring side, job postings make a business look good. If you always got job postings, you're growing. But keeping fresh postings in rotation is time consuming, especially when you're lean staffed on purpose with investors who demand you show an infinitely growing rate of improvement. So you pay Indeed a monthly fee to upload a bunch of jobs you aren't hiring for and use that to hook more investors to pay the first group.

And you end up with a company that gets paid to do nothing but generate fake data by other companies paying them to do nothing but post fake information, and the only part we (the ones looking for income to survive) play in this transaction is lending the process just enough legitimacy to make it legal. Money that doesn't exist cycles around between people doing nothing and as long as none of us can afford groceries or a home, the economy is considered "doing well," but the second one investor caves and demands to be paid, the economy collapses and suddenly 99% of the population in the USA can afford to eat again.

All you have to do is multiply that by a thousand companies doing it a thousand times a month and that's the USA baby, except also we supply billions of dollars of weapons killing people around the world.

[suiana]

(yandere! ghost husband x gn! reader)

In many asian cultures,

it is taught to people to not touch any offerings or money that is left on the ground.

For if you do so,

you shall be married to a dead person.

however, you chose not to heed these warnings and picked up a heavy wad of cash that was left on the sidewalk of a forest.

you picked it up, happily thinking it was just some rich guy who dropped his money while on a nature walk, that you got lucky enough to stumble upon his secret stash.

so you brought it home with you, thinking of all the wonderful things you'd buy with this newfound money you got.

unfortunately, that was just the start of many unexplainable things that begun to happen to you.

"dude can you not close my door?! I'm trying to go on a date!"

you yell at the air, staring at your door which suddenly slammed shut. it had been a few weeks since these events had started occuring. and events as in, random paranormal events. yes, paranormal.

it all started when you found that thick wad of cash on the sidewalk of some asian country and brought it back home with you. you thought you were lucky to have stumbled upon such treasure. like, holy shit that's a few hundred thousand of dollars!

yet the second you stepped foot inside your house, chills ran down your spine and you couldn't help but feel absolutely scared to enter your home.

but you simply shrugged it off, thinking you were just overthinking and worrying over nothing. must be the scary asian ghost stories you heard.

you should've went to the exorcist the second you felt that gut instinct though.

because as the days went by, your lights started turning in and off by itself, your house would be cleaned meticulously even when it looked like a fucking dumpsite a few hours before, and more importantly, you'd start hearing voices of a man who claimed to be 'your husband'.

at first you wondered if you were schizophrenic. holy shit, were you hallucinating right now? why the hell was there this attractive voice that kept on talking to you from time to time?

but it wasn't you being schizophrenic, unfortunately.

for what you were experiencing was very much real. there was now a ghost in your house, or rather around you, that would not leave no matter how hard you tried.

and you came to live with it, until today.

why? because you were about to go on a date with this super sexy guy but then this... this ghost husband wouldn't let you!

freaking slammed the door when you tried leaving! like who even does that?!

"ugh, you're being unreasonable!"

you yell at the air, glaring angrily as you place your hands on your hips. you didn't know where this ghost husband of yours was, but you did know he was near you. i mean, the temperature drop was a clear sign that he was.

"me? unreasonable?"

ah, there he was.

you turn around to face the aur, glaring angrily as you feel your skin prickling. his voice came from behind you and he was whispering into your ear. he always likes to do that, you noticed. speaking from behind.

"yeah, you! dude i just want to get laid!"

you reply in irritation, hands on your hips as you shake your head. you wait for his reply, pursuing your lips angrily before shrieking as you feel him blow cold air against your nape.

"but you have me, don't you?"

"well I don't want you! I didn't know you'd come together with the money! and I can't even use the money..."

you mumble off, shivering slightly as you continue to glare at the air. god damn it, so much talk about being your husband and you don't even know how he looks like! heck, you can't even see him!

"I don't even know how you look like! how could you prevent me from going on a date with this sexy guy-"

in the middle of your complaint, you suddenly yelp as an attractive male, albeit a translucent one, stares right at you, an unamused face as he looks you down.

"well you can see me now."

he mumbles, arms folded across his chest as he glares back at you.

your mouth is dry, cheeks slightly pink as you stare at the man. holy moly! you have a hot husband?!

"holy cow! you're hot?"

"what's that supposed to mean?"

you stare at the male, jaw dropping before you slap your face and look him up and down. he was clad in a traditional outfit, looking expensive and absolutely drop dead gorgeous- well he's dead but... gorgeous!

"damn okay, I won't go on that date..."

you drool slightly, moving away from your door as you continue staring at your ghost husband dumbly, giggling as you walk past him onto the couch.

"of course you won't. you're already married to me."

your husband follows after you, a cold aura following him wherever he went, chilling the area. thankfully the heat in your body helped to warm you up.

"why didn't you show me your face earlier? you're so sexy..."

"well you never asked."

he shrugs before floating over to you and resting his head in your lap. his eyes look into yours, a lovesick expression in his eyes as he traces his translucent hand into your skin, making the area tingle slightly.

you stare down at him, pursing your lips before giggling stupidly and blushing. damn, you really did have a hot husband. even though he's dead, he's still your husband! you only wish he was alive... then maybe you two could get dirty and-

"you know i can still pleasure you right?"

the ghost suddenly deadpans, looking right at you as though he had read your thoughts. you blink at him, not registering his words before you suddenly choke on air and look away.

"oh, are you choking? don't die yet... i like your body heat."

your husband suddenly moves away from your lap, getting up to pat your back in a pitiful attempt to relieve you from your choking fit. all you felt while you coughed was the tingling sensation of cold hands.

"damn you can't just say stuff like that-"

"but you were thinking about it, no? i can hear your thoughts, you know."

you proceed to choke on air again, having yet another coughing fit as your ghost husband continues to pat your back with his cold ghostly hands.

"oh my god just kill me now... this is so embarrassing-"

"no, i already said i like your body heat and you can't die yet."

you immediately shut up, staring at the ghostly male with dead eyes.

before you know it, you're walking to your kitchen to grab a knife to kill youself just to spite him. but of course, you were stopped by your husband who immediately wrestles the knife away from you, smacking your head painfully hard before dragging you back to the couch where he begins to suck your warmth away like a leech.

damn him, maybe you should get an exorcist.

"you know i can hear your thoughts right? you're not getting rid of me."

damn him, you really are going to get an exorcist.

"what? darling i just said no!"

you're getting an exorcist.

[thelostconsultant]

Invisible string

pairing: Max Verstappen x reader

summary: Red Bull Racing has a new sponsor. You host a party as the head of that company to celebrate this agreement. Max has no choice but to attend, but the evening ends with a pleasant surprise after he meets you in person. Maybe he was wrong about you all along.

note: I'm everything but a scientist. If you are one, please, ignore the amount of inaccuracies. There must be a lot.

part two

“You're insane,” Robert told you for the hundredth time that day when he arrived at your place, although every time there was a little laugh accompanying the comment.

Maybe he was right. Deciding to spend over three hundred million dollars on sponsoring an F1 team did sound insane, but he did agree to do it, and you signed the contract together. Sure, sixty percent of the company was yours, it was mainly your call, but he was still your mentor.

But he didn't stand in your way, he knew how passionate you were about this sport, and your biotech company could use the PR and marketing opportunities that came with this partnership. And let's not forget about the political aspect, because there were lots of important people who loved the sport and supported a top team like Red Bull Racing.

Your assistant came up to you to ask a few questions, but once she was gone, you folded your arms and stuck out your tongue at Robert. “You’re just jealous because it was my idea. Jokes aside, it's a good thing. F1 comes to the US so many times these years, it's good to be a big sponsor of a top team. Have you seen what kind of people attend the races? Exactly who we need to charm.”

“You never had an issue with charming people without such a big investment,” he noted with a sigh.

You bit your lower lip and turned away to look out into the backyard that was by now full of party decorations. You wanted to celebrate the announcement with an elegant party at your place, and you invited board members, top employees, some important people to schmooze with, and people from the newly sponsored F1 team.

“We need some legislation changes to kickstart the new project, you know that,” you told him eventually when you turned back to him. “I wish we could afford to be patient, but we need to launch it as soon as we can.”

Robert put a hand on your shoulder and gently squeezed it. “You stress too much about that. Take it easy,” he said.

Easier said than done, but you didn't want to continue this conversation. “I need to get rid of my yoga pants and change into something red, so make yourself at home as usual,” you told him with a smile before rushing away.

“Oh, so you're still a Ferrari fan, aren't you?” he called after you, bringing up the elephant in the room.

With a laugh, you came to a halt and spinned on your heels to face him again. “Yeah, and my favorite team is a joke at the moment. This was purely a business decision.”

Max did his research. Well, it was mostly the team handing out dossiers about the host and her business partner, along with a couple of other important people who were expected to attend the party, but he did read every single page and memorized each and every one of them.

When he reached the gate of his destination, he found armed guards outside, and he let out a frustrated groan at the sight. It was ridiculous. He didn't even want to be here. But he had to be a good boy and attend to act as the poster boy of the team. Hopefully he just says hi, maybe says a few words about how great this partnership will be, exchanges a few sentences with a few people and that would be it.

“Loosen up a bit, you look terribly tense,” Adrian told him from the passenger seat.

Easy for him, at least he would have a funny story to tell at the party. The car he wanted to come with had been stolen from the hotel’s garage, and no one knew how anyone could take it. This gave him the ammunition to keep up conversations. Lucky bastard.

Meanwhile, what was he supposed to talk about? Driving? He talks about that all the time. His hobbies? These people probably weren't the target audience. “I’m not in the mood for this,” he eventually replied with a sigh.

“No one is, but sometimes we just have to play nice and schmooze with our sponsors. This is the first time they support an F1 team, I guess they're just excited.”

“Yeah, I know that,” Max replied with a roll of his eyes. “I just… I don't know, with all the things I've heard about our host, it sounds like she is some real life female Tony Stark. She already built such a huge company, she's responsible for big innovations, and she was on Forbes' 30 under 30 list… I mean, come on.”

Adrian watched him with a deep frown. “Does it have anything to do with the fact she's a woman?”

Okay, this was getting ridiculous. “God, no, it's because of her age. This isn't some app you can make in a college dorm, then sell for a lot of money. Building that company must have taken a lot of work, she couldn't have done it alone, yet every article the team cherry-picked for us failed to mention how she did it.”

“Well, from what I've read elsewhere, her partner really did help her with the administrative part of the project, but they talked to investors together. She's smart, and nice, and I one hundred percent believe she's capable of achieving this at her age. Might I add she's only a year younger than you? You don't seem to be in such a bad situation at your age either.”

Max took a deep breath to calm himself, but in the end he couldn’t hold back the painful grunt that's been waiting to come out. “I'm miserable,” he noted sadly as he parked the car.

But Adrian wasn't in the mood for this. “You're just whining now,” he pointed out patiently.

“Whatever.”

They got out of the car and walked up to the main entrance, passing by some people who looked like boring businessmen and their airhead partners. Maybe there was a politician among them too, at least one with a big voice sure made him believe that.

Inside the two of them separated, and Max took his time to take a look around. The house was impressive; four stories as he counted outside, modern, clean design, combined with a huge backyard that ended in a lake. It must have been peaceful when there was no crowd around.

After a while he went back inside but was soon intercepted by Christian. Crap, so much for a peaceful evening. “Oh, and here's Max,” he said happily as he put a hand on his shoulder and guided him over to their little group.

“Hi,” was all Max managed to come up with.

“Welcome,” you said with a warm smile. “And good luck for this year.”

“Thanks.”

You turned to his boss with a curious look. “And where's Checo? I thought he would be coming as well.”

Christian seemed a little uneasy, but he managed to explain the absence of the team's other driver. “He has a family emergency,” he replied curtly.

Max bit the inside of his cheek in order to keep back a comment. He didn't want to attend this stupid party either, but for some reason he didn't have a choice. He never had a choice.

To his surprise, you began to laugh at this, then took a sip of your champagne with a mischievous look in your eyes. “Oh, the real get out of jail free card,” you noted.

Max snorted at this, and there was no way he could hide the huge grin that wanted to break out. All right, you got a brownie point for this comment, that's for sure.

“I'm sure he would love to be here,” Christian assured you.

“Sure.” You remained silent for a while, but just when Max was beginning to assume an awkward break would settle into the conversation, you spoke up again. “Well, I'm glad you're all here. Thank you for taking the time. Please, just make yourselves at home, and enjoy the rest of the evening.”

At one point Adrian joined the little group and decided to become a part of the conversation with one last question. “Where's Mr. Hartford?” he asked.

You let out a thoughtful hum as you looked around. “I don't know, last time I saw him he was talking to a board member. But I'm sure he'll find and greet you too. Well, if you'll excuse me, I need to say hello to a few more people. Have fun.”

The three of them watched as you walked away, and Max couldn't help but appreciate the view. That red jumpsuit you wore tonight hugged your figure so perfectly it almost made him drool. Almost. He could easily push that stupid part of his mind to the side for now. He couldn't let himself be fooled into believing you really were oh so perfect, there had to be something that was wrong with you.

“Did it kill you?” he heard Adrian's voice, and when he turned to him, he saw a knowing smile on his face.

Meanwhile Christian looked a little confused. “Did what kill him?”

“Talking to her.”

“What, you had an issue with that?”

“No,” Max protested, sending a disapproving look to the engineer who only laughed at him.

“Sure? You sounded kin–” he began, but was quickly interrupted.

“You two are insufferable, you know that, right?” Max asked them with a sigh, then rolled his eyes and left without waiting for their answer. All he wanted was a quiet corner and another glass of champagne, maybe a few bites of those delicious sliders a waiter offered him not long ago.

“Are you planning to come up with something that can race against Neuralink?”

Oh, for fuck’s sake, not this again. But you forced a polite smile on your face and took a deep breath. “It's easy to come up with new, flashy innovations, but let's not forget that the root of the problem is always a bioethical one. Let's take them and their animal testing procedures for example. Whether you like it or not, euthanizing so many animals does raise ethical questions.”

“But it's for a greater good,” another man noted, earning a few nods from the people around him.

“I don't know, I believe we need to find a way to test new technologies without hurting anything or anyone first. That's one of the things we're working on at the moment. Also there's another bioethical aspect, and that's the fact these things would be expensive. The general availability is highly questionable, it would only help the rich.”

That one politician you had no choice but to invite despite every cell in your body protesting against it began to laugh at this. “And what's wrong with that as long as they pay?”

Oh, you son of a bitch, how could you be so dense? You took a deep breath and tried to calm yourself, but it was really hard at the moment. Luckily, Robert realized that this was a touchy subject, so he put a hand on your shoulder to calm you down.

“What she's trying to say is that it should be more than just a discussion about profit,” he began to explain. “Sure, that's important to finance our research, but science is supposed to help people.”

The man gave him a condescending look, as if he was disappointed that you would both choose to help people instead of earning a lot of money. What he didn't understand was the fact your company had highly profitable solutions, which gave you the opportunity to work on things that weren't as successful financially.

“For us,” you suddenly began, your finger moving in a circle as a sign that you were talking about the members of this little group, “going to a private hospital to get treatment and paying for our prescribed medication is normal. But let's not forget that almost 8 percent of the US population is uninsured. That's 26 million people. Let's say they start coughing. What do they do? They turn to home remedies because they can't afford the medical bill. Then things get worse as it turns into pneumonia and if they're lucky, they can go to a free clinic where they're prescribed meds. But can they pay for them?”

Robert nodded, then went on to add, “And it can be anything, really, even something contagious.” Clever. That guy was known for being a germaphobe, if anything, that could surely get his attention.

But he remained silent and a woman jumped in to drive the conversation instead of him. “What about different cybernetic implants? I mean, those are pretty impressive in movies, but how close are we to actually having them?”

You shrugged. “Depends on who you ask.”

A painful half an hour later you and Robert went outside, walking all the way out to the lake to build a little distance from the guests. “Thanks for backing me up there,” you told him before taking a sip of your cocktail.

“Anytime,” he said as he clinked his glass with yours.

Before he could say anything else, though, you heard someone clear their throat behind you. The both of you turned around and saw Max stand there with his hands in his pockets, watching you with a polite smile.

“You have a second?” he asked.

“Sure,” you replied as you took a few steps closer to him.

“I have to go, I just wanted to thank you for the invitation and say goodbye.”

You weren't used to guests you didn't really know coming over to say goodbye before they left. Most people usually just got in their cars and drove off without a word, but honestly, you were honestly grateful for that. But this goodbye was flattering, after all you could see it on his face that under the polite smile he just wanted to get out of here as soon as possible.

With a nod, you held out your hand, and he took it without thinking. “Thanks for coming. I hope you could enjoy yourself a little bit. I know it's not a fun kind of party.”

“It was okay. Well, except for that woman who was raging about people who want to replace real meat with artificial meat,” he added with a laugh.

You froze and your eyes slowly narrowed at him. “Wait a second.”

Max looked genuinely confused, and his hand was still holding yours without either of you realizing it. “What?” he asked you.

“You're a genius! Excuse me.”

As you dropped his hand and began to walk away, he turned to Robert with a confused look on his face. “What did I say?” No response, only a shrug. “Where are you going?” he called after you.

“To the lab,” you finally told him without looking back.

Once again, Max turned back to the other man. “She's leaving her own party?”

“She has a lab in the basement,” you called back to answer his question.

Robert’s lips curled into an understanding smile. “Send me a text if it's something worth looking into,” he said, then turned back to Max and held up his hands. “Usually it's better not to ask.”

Despite Robert's warning, Max was now way too curious to simply ignore your strange behavior. He wanted to know what was going on in your head, so he followed you to the lab inside the house. He first arrived in an office, but through the huge windows he could see the actual lab.

“Is everything okay?” he asked after he softly knocked on the open door.

“Hmm?” You turned around with a questioning look, but once you realized it was him, you nodded. “Oh, yeah, sure. What are you doing here?”

Max walked inside, feeling completely out of place. “You ran away so abruptly that I wanted to know what's going on.”

“You gave me an idea, that's what's going on.”

“Oookay… And what was the idea?” he asked as he watched you sit behind the desk and enter your password to unlock the laptop that was connected to several monitors.

“Using something artificial instead of the real thing. That way we can bypass a barrier that's been blocking us,” you replied without looking at him.

“You lost me.”

A sweet little laugh left your lips, a sound that drew him closer as if it was a siren’s song. “All right, can you promise to keep your mouth shut about what I'm about to tell you?” Max nodded, so you grabbed the chair next to you, then pulled it closer and pointed at it to make him sit down. “Good. So one of the issues with bioprinting is that we can't be sure whether or not the cells we're working with are damaged, meaning if there's a possibility of cancer showing up later on for example.”

You were so enthusiastic, but he was so damn lost. It was the result of an unfamiliar territory, and the fact his mind could mostly focus on the way your lips moved instead of the words that left them. “Wait, what's bioprinting exactly?” he asked, unsure if he had the right idea.

Nodding, you clicked on something and it brought up a video feed. “For example, this,” you said with a proud smile.

It looked like a 3D printer, that much he knew, but what it was printing was a mystery at the moment. “What's that?”

“A 3D printed heart that's being made from my own cells,” you replied with a wide grin. “Give it another few days and it'll be ready.”

“Is that real?”

“Yep. Although, and that's what I've just mentioned, I can't guarantee it doesn't have cancerous cells. But theoretically speaking, someone awaiting transplant could get it.”

Max let out a thoughtful hum as he looked back at you. “So what does it have to do with artificial things?”

“That's how we bypass the damaged cell issue. We just need to create artificial cells that we can then turn into whatever we want them to be.”

“You think it could work?”

After thinking about it for a short while, you eventually shrugged. “Maybe,” you said quietly as you leaned back in your swivel chair. “I need to put a team together and discuss our options, then we'll see. As of now it's just a wild idea.”

“Interesting.”

To be honest, he could spend the whole night doing nothing but listening to you talk about your work. Meeting you in person changed the way he had thought about you before arriving here, and now he wanted to use this opportunity to get to know you better.

He did a quick search after first talking to you, and he read an article from the end of the last year that stated you were single. That was two months ago, maybe that hadn't changed since then. But something told him you were way too in love with your career to worry about romantic relationships, so if he wanted to get your attention, he probably had to work hard for it.

Your phone's screen lit up on the desk and he didn't miss the wallpaper. It was one of those prayer circle memes with Charles’ photo on it, which made him realize something. “You're a Ferrari and Charles fan?” he asked you with a raised eyebrow.

“Yep, already getting ready for prayer circles as you can see,” you replied with a laugh as you showed him the screen. “That's their only hope, I swear.”

“Then why are you sponsoring us?” he asked.

“A business decision in its purest form.”

Was he disappointed? Maybe a little bit. In his head he was already making up scenarios, like the first time you went to a race to support him–yes, he was getting ahead of himself, so what–and now it felt like a bomb had been dropped on his plans. Sure, as a sponsor or his girlfriend you'd physically be in their garage, but your heart would be with the Italians.

Max let out a sigh as he nodded. “And here I was, thinking you just wanted to see your company's logo on a fast car. Didn't know you were actually watching the races.” He tried to keep a casual tone to make it sound like it didn't hurt him, but he had a feeling his disappointment was seeping through the cracks.

Because you remained silent for a while, and when you finally spoke up, your voice was soft and quiet. “Maybe there are a lot of things you don't know.”

“Yeah, maybe,” he responded as he rolled closer to you.

The sadness he felt slipped away as soon as it came, because it was like he got under your spell the moment he got close enough to you. Your pretty eyes were following his every move, carefully watching him as you waited for whatever was to come.

It only took him a minute to make up his mind, to take a risk and see if you were willing to play this little game with him. So he raised his hand and curled his index finger to signal you to move over to him with a playful smile on his lips. “C’mere,” he said quietly.

To his surprise, you didn't hesitate to do as you were told, you stood up and sat in his lap with your arms around his neck, meeting him halfway for a kiss. The need for something more grew inside him as the kiss deepened, and a small part of his mind shifted its focus to your jumpsuit, trying to figure out the fastest way to get you out of it.

“I'm going home on Sunday. Come with me,” he suddenly spoke up, pulling away a little to look you in the eye. “Stay for a few days. Or a week or two,” he tried with a cheeky grin.

You leaned back to reach for your phone that you left on the desk, but he had his hands firmly on your bottom to keep you in place. “I can't reach my phone,” you said with a pout. “I can't tell you if I can go without it.”

With a sigh, he rolled the two of you closer to the desk so you could get it, but he didn't take his hands off of you. As you checked your calendar, humming every now and then, he couldn't help but start and place kisses in the crook of your neck.

“How about the week after that?” you asked him as you lowered your phone. “We have meetings with the CFO, an important meeting with a certain someone that I can't delay or skip, and I want to put together the team to test my new idea. Next week's pretty crowded.”

Max cupped your cheek and made you look at him. “If there's one thing we learned from Covid is that you can do these things online. Come on, I have fast and stable connection back home,” he tried with a smile.

“But you'll let me work,” you told him sternly, to which he only responded with a laugh before kissing you again. “I hate you.”

“You don't, and you know it.”

[ms-demeanor]

I've been following what's been going on with Belphie the kitten and his person, Greer Stothers, has just mentioned pet insurance in a tag on a post and I wanted to give an example from my life backing up why pet insurance can be a good idea and why I think it is worthwhile.

Two years ago my sister's dog had bloat while she was on vacation. The kennel he was staying at recognized symptoms and called my sister to clear them to take him to the emergency vet. My sister is very financially secure and this dog is an enormous part of her life, so she said yes with barely a moment of hesitation. That ended up being about twelve thousand dollars of emergency surgery.

Large Bastard and I got pet insurance for Tiny Bastard the same week because we realized that if someone had presented that option to us, we would have had no choice but to have Tiny Bastard put down, and we didn't want to be put in that position.

I did a lot of research about different kinds of pet insurance and different levels of coverage and annual maximums and deductibles and so on and so forth. Tiny Bastard is a senior dog, so this was going to be expensive no matter what options we went with, so I chose a moderately priced plan with a $500 annual deductible, unlimited annual coverage, that pays 80% of the bills incurred annually below the maximum. What that means is that we pay the first $500 of care totally out of pocket, after which point we are reimbursed 80% of any vet bills for care covered by the plan.

The first year we had this plan I was kind of iffy about it. It's a noticeable monthly expense and we didn't even spend the deductible in vet bills the first year. Except that a month before the policy was set to renew, Tiny Bastard got diagnosed with diabetes. We now have monthly insulin costs and syringe costs; there are tests she has to have regularly to monitor her overall condition and we need to do more frequent vet visits to track symptoms.

Suddenly the insulin alone means that the insurance is break-even within six months and the additional visits and tests are something we can afford instead of something we'd have to put on credit.

Our plan (through ManyPets) covers medication, surgery, diagnostics, medical equipment, and euthanasia and cremation. It doesn't cover pre-existing conditions, joint conditions for dogs who were signed up over a certain age, dental care, spay/neuter, vaccinations, or prescription food but honestly all of that makes me just kind of wish we'd signed her up earlier - her knee problems *would* be covered if we'd had her signed up as a puppy, and the monthly cost would have been lower if we'd signed her up then. And there are at least a few emergency vet bills that I wouldn't still be paying off on my credit card. Hell, I've probably paid more in interest on some bruising she got in a fight three years ago than I have for this policy as a whole.

I am glad that Greer is able to take care of Belphie. I am glad that my sister was able to take care of her dog. But I'm also really, really glad that for a relatively low cost, I would be able to take care of Tiny Bastard if she were catastrophically injured, or if she needed emergency surgery. I'm glad that I'm able to take care of her now with her medications and her additional vet visits.

There are a lot of people who say that pet insurance isn't worth it, especially not for young animals. But if your young animal gets very sick, or gets badly injured, or eats a hairband and needs an emergency endoscopy, then it will probably be VERY worth it. It's a risk/reward question. You feel like you're wasting money if you're paying for a policy that you never use, but honestly that just means you're lucky to have a healthy pet.

I'm lucky that Tiny Bastard was relatively healthy before I got the insurance; I'm also lucky that she was insured when she was diagnosed with a chronic illness that will need lifelong care. This enables me to provide care for her that would otherwise be financially unmanageable, and that makes the insurance *extremely worth it* from my perspective.

And Belphie is a good example of why it's a good idea to get coverage even for very young pets. Greer is recommending it because this kitten has required a tremendous amount of care during a period in his life when it's generally taken for granted that a cat will be healthy. (And Greer is not stupid for forgoing pet insurance - pet insurance is still a relatively new concept and there are lots of people who are leery of it for a number of good reasons)

So I'd say that if you've got a pet or are getting a pet it is very worthwhile to find a pet insurance plan that fits in your budget. There are a variety of plans out there and some are very inexpensive. Check coverage levels (you can even get some with wellness plans that include dental care and vaccinations) and see if there's something that works for you.

I personally don't think I'm ever going to own another pet without having pet insurance. It's ridiculous how much easier it is for me to say yes to diagnostic tests or different treatments than it was before because I know I'm going to be able to fit Tiny Bastard's care into our budget.

[mostlysignssomeportents]

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 @eff@mastodon.social'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