#personal organizer

[pineappleyk]

tea time and planner this week

[sergle]

ALSO IMPORTANT TO NOTE, people dropping mad mad sums of money on gfms and charities and stuff are extremely impressive but that DOES NOT MEAN that putting like $5 towards someone's fund or any good cause is any less valuable, a lot of crowdfunding is about momentum and those single digits add up super fast, you do not need to be Rolling In The Dough to make someone's day!! moving the dial at all is extremely positive!!

[ajaygiftkyade]

5 IN 1 ORGANIZER LIFESTYLE Our wooden 5 in 1 accessory organizer features a tray for mobile, a U- shaped cut-out for a keychain, sunglasses, watch, and a small space for the wallet. Add style with this wooden multi-purpose organizer and keeps the desk clutter-free. Gift Kya De 5 in 1 Desk Organizer with Mobile Stand Best Gift for Brother, Friend, Husband, Father, Uncle, on Birthday or any Special Day (Wooden Made in India). 

[aromanticduck]

Shorts count as trousers. Leggings also count if you want them to.

[theambitiouswoman]

How to Stop Procrastinating by Managing Your Emotions

Procrastination happens when we delay doing things, and it's often connected to our emotions. Feelings like being afraid to fail, feeling worried or stressed, getting bored, or lacking motivation can all contribute to procrastination. To stop procrastinating and get more things done, it's important to learn how to handle our emotions better.

Boredom:

Break the task into smaller, more engaging sub-tasks.

Find ways to make the task more interesting or challenging.

Set a timer and work on the task for a specific amount of time, followed by a short break doing something enjoyable.

Feeling Overwhelmed:

Prioritize tasks and focus on one thing at a time.

Break the task into smaller, more manageable steps.

Delegate some parts of the task if possible or seek help from others.

Use tools like to-do lists or task management apps to stay organized.

Anxiety:

Practice deep breathing or mindfulness techniques to calm yourself.

Challenge negative thoughts and replace them with more positive and realistic ones.

Start with the easier or less intimidating aspects of the task to build momentum.

Set realistic expectations and remind yourself that it's okay to make mistakes.

Self-Doubt:

Focus on past accomplishments and successes to boost your confidence.

Seek support or feedback from others to gain reassurance.

Remind yourself of your skills and capabilities to tackle the task.

Use positive affirmations to counteract negative self-talk.

Perfectionism:

Embrace the concept of "good enough" rather than seeking perfection.

Set realistic and achievable goals for each task.

Recognize that mistakes and imperfections are part of the learning process and growth.

Indecisiveness:

Break decisions into smaller steps and make one small decision at a time.

Set a time limit for making decisions to avoid overthinking.

Trust your instincts and make the best decision you can with the information available.

Apathy or Lack of Interest:

Find aspects of the task that align with your values or long-term goals.

Break the task into smaller, more manageable parts and focus on completing one at a time.

Reward yourself for completing the task to make it more appealing.

Stress or Burnout:

Practice stress-reduction techniques such as meditation, exercise, or spending time in nature.

Break tasks into smaller steps to reduce the feeling of overwhelm.

Prioritize self-care and take breaks to avoid burnout.

Feeling Uninspired or Creatively Blocked:

Engage in activities that stimulate creativity, such as brainstorming, mind mapping, or seeking inspiration from others' work.

Start with a simple and basic version of the task to get the creative juices flowing.

Collaborate with others or seek feedback to gain new perspectives.

Fear of Success:

Identify and challenge the negative beliefs or fears that may be holding you back.

Visualize the positive outcomes of completing the task successfully.

Focus on the benefits and personal growth that come with success.

Impatience:

Break long-term goals into smaller milestones to track progress.

Practice mindfulness to stay present and patient throughout the process.

Remind yourself that progress takes time and effort.

Lack of Confidence:

Celebrate your past accomplishments to boost your confidence.

Seek support and encouragement from friends, family, or mentors.

Focus on building specific skills related to the task to increase confidence.

Avoiding Discomfort:

Acknowledge that discomfort is a natural part of growth and improvement.

Break tasks into smaller steps and tackle the more challenging aspects gradually.

Remind yourself of the long-term benefits of facing discomfort.

Overestimating Future Motivation:

Practice discipline and commit to starting tasks even when motivation is low.

Set specific deadlines for tasks to create a sense of urgency.

Establish a routine that includes regular work on the task to build consistency.

[ohh-lover]

Had a photoshooting for our cats 9th birthday! Everyone say happy birthday teddy

[garliicgun]

this game breaks my heart…..! 💔

[manxmoss]

MOUTHWASHING

——-

TAKE RESPONSIBILITY

[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

[meltedmush]

My past ROTMHS doodles as per request!

[skunkes]

immediate redraw

[th3e-m4ng0]

blub blub

their actual colors

[fernsnailz]

it's time... for the TEAM DARK FEST! 💥💥💥💥

me and @serpentineshine are hosting a little tournament to finally determine who the best Team Dark member is! this week there's gonna be goofs, bits, and even a special prize for the winner 👀

however, the most important prize of all is what awaits at the end of the festival! ...but that's a secret right now.

💥 cast your vote below! 💥

(oh also if anyone makes any propaganda for their fav character. tag me i wanna see)

video transcript below the cut! ⬇️

A blue announcement screen with scrolling text reads “SPECIAL FENSNAILZ ANNOUNCEMENT.” There’s a looping animation of Squeak the cat in the middle. It disappears, cutting to a shot of a studio space.

In the studio, SNAIL, SHINE, SQUEAK, and a VASH PLUSH all sit at a desk with a large CRT TV on it. Squeak and Vash are on top of the TV, and shelves with various items line the walls. Everyone seems to be unaware that the camera is rolling - Snail is reading the script, Shine is drinking from a mug, and Squeak is licking her butthole. Vash remains motionless.

Snail notices the camera zooming in, and throws away the script in a moment of panic. Shine and Squeak sit up to face the camera as well.

SNAIL: Coming at you pre-recorded, it’s Snail, Shine, and The Beasts!

SHINE: We’re here today to announce a special tournament we’re hosting: the TEAM DARK FEST!

SQUEAK: Eep!

VASH: weemp womp :]

SNAIL: You know ‘em, you love ‘em-

SHINE: Or hate them.

SNAIL: It’s all about TEAM DARK this week! Fellas, turn on that TV!

The camera cuts to a close-up of the TV as the screen flips on. Three shitty photos of each Team Dark member appear on the TV under the question “Who is the best member of Team Dark?” Every Team Dark member’s name is misspelled underneath the photos.

SHINE: Time for the ULTIMATE question: Who is the best Team Dark member?

SNAIL: Oof. We’re turning them against each other, huh? That’s dramatic.

SQUEAK: Meep! (HOLY SHIT)

The camera zooms out to a wide view of the studio, but zooms out much further than needed for a split second. For some reason, this is all being filmed on a green screen set, and the shelves behind the cast seem to be edited in. Not only that, but this studio is either widely over-staffed or widely under-staffed, because the boom mic is held by seven Chao stacked on top of each other. The camera zooms into a closeup of Snail before much of this information can be processed.

SNAIL: Well, it’s obviously Shadow. I told him if he won, I would get him ice cream after soccer practice!

The camera pans over to Shine.

SHINE: No way, vote for Rouge! She can carry like. Nineteen mountain lions. Give or take

The camera pans over to Squeak and Vash. Squeak points at a crude drawing of Omega that seems to say “VOTE OMEGA.” It is upside down. Vash holds a cute little sign that says “I <3 OMEGA” that he likely made himself.

SQUEAK + VASH: ?????????????? (we didn’t hire anyone to translate this part.)

Back in a wide shot, Snail and Shine stare blankly at Squeak and Vash. Squeak licks her butthole again. Vash is now Real. Someone off-screen sneezes very convincingly.

SHINE: This poll will run for ONE WEEK before we announce the winner! So little time…

SNAIL: Everyone make your vote count! The winner of this festival will have a special page in my… 

An image of a porcelain snail appears over a white background as an echo-y human voice says “SECRET UPCOMING PROJECT.”

VASH: bweep bwaa :] (Yay! Prizes!)

SHINE: The final verdict will be decided by Twitter AND Tumblr, so commit as much voter fraud as you please!

Squeak bites Vash and he screams. They both fall off the TV and make a surprising amount of noise. Snail and Shine stare in shock.

SNAIL: See you in seven days! And hey, if you want to participate… tag me in any propaganda you make to fight for your favorite Team Dark member!

Squeak and Vash explode.

[t00thpasteface]

look at him

for the love of god fucking look at him

[rotzaprachim]

im shaking every single student organizer and screaming that they need to separate a demand to divest from arms funding from the demand for a university to cut off all contact with Israeli and Israeli-American scholars and students, a demand which no university will agree to because implementing it would in many cases be very illegal

[strangerinaholyplace]

If you haven't heard, otw (in other words ao3) have forced a volunteer to resign because they had "from the river to the sea, Palestine will be free" as their status on messaging platfrom slack, which otw use for communications.

They were denying that Israel is an apartheid settler state or that the genocide in Gaza is even happening.

This is unforgivable in my opinion, and I have sent a message to otw through their official contact form here, and I suggest you do the same. Below you'll see my message as well, in case you want to copy and paste, or just use it as a template of sorts.

I urge you also not to donate to otw anymore, unless the zionist volunteers and members of otw are removed from their positions and banned from otw.

"I am disgusted and enraged about the treatment of otw volunteer bjorn due to their pro-Palestine message status on slack, and even more so about the fact that zionists are allowed to run free amongst otw/ao3 volunteers, claiming that what Israel is doing in Gaza is not genocide, and claiming that Israel is not an apartheid settler state. As a person who has donated to the otw many times i wish I could revoke my money. But also as a donor I as well as many others demand the otw to resign fully, ban all zionist volunteers, have a written apology to bjorn and all users repudiating zionist actions in Gaza, donate to the Red Crescent to support Palestine, and reinstate bjorn as volunteer. If this is not done I as well as many others will no longer post on ao3, use it, volunteer for it and definitely not donate any more. You should be ashamed of yourselves. "

From the river to the sea, Palestine will be free. 🇵🇸

PS. If anyone decides to start talking about ao3 tagging systems or content allowed on the platform on this post you are getting blocked immediately. I dont care about your views on this, and you should think for 2 seconds before putting silly fanfic discourse on the same level as the murder of thousands.