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i know hearing people on this website love to pass around those posts with links to free sign language lessons but you know you need to actually put effort into learning about Deaf culture, too, right?

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you don't have to pay overdraft fees ever

the biden administration recently cracked down on overdraft fees which means banks cannot force you to pay them as they have become opt-in -- however you do have to call the bank (for example, paypal payments overdraft you even if you have opted out, as they function like checks.)

my experience is with wellsfargo but i imagine that most major banks may operate similarly:

if you have an overdraft fee, call the bank, you will get a machine. go through the autentification process with it but do not mention your issue when it asks you to (specially not the word overdraft -- this is a conspiracy theory i cannot prove but i swear to god they rewire you to more aggressive phone people if you tipoff the machine) instead say "i'd like to speak to a representative" the machine will be like "lol didn't get that" so you may need to repeat it a couple more times before it wires you to a real person

wait! i'd recomend calling as early in the morning as possible to avoid elevator music.

be nice to the customer service person who picks up (i make a point of thanking them for their help and calling them by their name, if i don't catch it the first time i ask them again for it)

my script is something along the lines of: "hi, i noticed there's an overdraft fee in my account that posted on [date]. i am calling to see if we (WE -- you and the representative are a team against the problem) could do something about it" (<- you may decide to be more direct, i just put my innocent hat on)

most if not all of what they say to you is a script. they will be like "i will check that for you with the automated process that takes into account you previous refund activity" BLAH BLAH BLAH. more waiting. if you have had any refunds in the past 12 months, they will be like "sorry the system says no (:" THOUGH, VERY RECENTLY, they have tacked on this question: do you have any thoughts on that / how do you feel about that / etc. though even if they do not prompt you, here's the next step:

say: thank you! i appreciate the automated review, however i do not agree/approve/consent to being charged a fee. is there any way you could check again / anyone else i could talk to / would it be possible to refund it regardless? etc.

they will check again, possibly more waiting, and then you will get an immediate refund! in the rare case they refuse to, here is the link to the FDIC website that you can refer to (note, this is for overdraft fees only):

8. i cannot emphasize this enough -- be nice !!!!!!!!!!! BE NICE! be cheerful, say "thank you" and "no worries" and "take your time!". it is NOT a confrontation, it is NOT their fault, and most of the time the customer service representative wants this to be as frictionless as possible. they are helping you, use the opportunity to make a moment of their day a lot less stressful than they expect it to be.

that is ALL -- i have been using wellsfargo for over eight years, and have lost hundreds of dollars to predatory overdraft fees charged as a punishment for having no money.

during the beginning covid, when they were momentarily suspended (you had to mention covid on the phone to get them back lol), i came to the realization that all of this time they could have been giving me my money back. there was no reason not to, except corporate greed.

do not let phone social anxiety let them take your money from you, now that it is easier than EVER to get it back. and if you need motivation to pick up the phone, remember this headline from a couple of years back lol:

DEATH TO CAPITALISM !!!!!!

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Around 800 high value training treats for the price of one can of tuna, an egg, and a cup of flour?

WHY HAVE I NOT MADE TUNA FUDGE BEFORE NOW?

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Please fucking lie to your employer. Like they don’t need to know your mental health issues or what drugs you do. Ffs

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had a minor crisis when 12ft.io went down yesterday and thankfully it's back now but this seems like a good opportunity to compile a list of similar paywall-evading tools in case 12ft ever gets canned for real:

12ft.io: the legend himself. definitely my favorite of the bunch by virtue of being the easiest to use (and the easiest url to remember), but it's configured to disable paywall evasion for a handful of popular sites like the new york times, so you'll have to go elsewhere for those.

printfriendly: works great; never had any issues with removing paywalls, even on domains that don't work with 12ft.io. since this site is literally designed to make sites print-friendly, it might simplify the overall formatting of the page you're trying to access, which can be a good or bad thing. my only real issue is that the "element zapper" (which lets you remove content blocks from the print-friendly preview) is a little sensitive if you're browsing on a touchscreen device, which means you might accidentally delete a paragraph when you're just trying to scroll. but if that happens you can reload the page and it'll revert everything back to its original state.

fifteen feet: basically a 12ft clone, minus 12ft's restrictions. haven't used it much since I only discovered it yesterday in the wake of 12ft's 451 error but it seems to do the trick.

archive.today: an archival tool very similar to the wayback machine, but it also works as a de facto paywall removal tool. (the wayback machine seems to remove paywalls as well, but archive.today has better UX imo and is way faster to use.)

and an honorable mention for sci-hub: only works for scientific/academic journals, not random news articles, but the other sites listed above only work for random news articles and not academic publications so you gotta have this one in your toolbelt for full coverage. pubmed is your oyster.

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This is definitely not a google drive full of the sleep stuff from the Headspace app, including sleepcasts, music, and wind down meditation, that normally costs 17.99 a month, no siree and you definitely shouldnt share this with people

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refseek.com

www.worldcat.org/

link.springer.com

http://bioline.org.br/

repec.org

science.gov

pdfdrive.com

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friendly reminder that findtags is the best way to search tumblr’s absolutely destroyed tag system. it actually accurately looks through the tags without omitting results. it’s the only thing i use at this point because it’s the only thing that works

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had a minor crisis when 12ft.io went down yesterday and thankfully it's back now but this seems like a good opportunity to compile a list of similar paywall-evading tools in case 12ft ever gets canned for real:

12ft.io: the legend himself. definitely my favorite of the bunch by virtue of being the easiest to use (and the easiest url to remember), but it's configured to disable paywall evasion for a handful of popular sites like the new york times, so you'll have to go elsewhere for those.

printfriendly: works great; never had any issues with removing paywalls, even on domains that don't work with 12ft.io. since this site is literally designed to make sites print-friendly, it might simplify the overall formatting of the page you're trying to access, which can be a good or bad thing. my only real issue is that the "element zapper" (which lets you remove content blocks from the print-friendly preview) is a little sensitive if you're browsing on a touchscreen device, which means you might accidentally delete a paragraph when you're just trying to scroll. but if that happens you can reload the page and it'll revert everything back to its original state.

fifteen feet: basically a 12ft clone, minus 12ft's restrictions. haven't used it much since I only discovered it yesterday in the wake of 12ft's 451 error but it seems to do the trick.

archive.today: an archival tool very similar to the wayback machine, but it also works as a de facto paywall removal tool. (the wayback machine seems to remove paywalls as well, but archive.today has better UX imo and is way faster to use.)

and an honorable mention for sci-hub: only works for scientific/academic journals, not random news articles, but the other sites listed above only work for random news articles and not academic publications so you gotta have this one in your toolbelt for full coverage. pubmed is your oyster.

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Just some stretches you can add to your daily routine!

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I fucking hate game apps. I wanted to play tetris the otherday so I figured there must be a simple tetris app out there its the most basic game. But every app is like heres your daily log in bonus of 10 gold! You get 5 free plays a day. Here's an ad. To replay a level costs 1 diamond. You can eart gold by earning points in levels. 1000 points = 1 gold. You can exchange 550 gold for one diamond but we have a sale right now that they only cost 500 gold. Heres an ad. You can buy a loot crate of diamonds for 5.99$! You leveled up! Heres 1 free diamond. Youve run out of free replays for today, would you like to buy some more diamonds? Heres your daily tasks, make sure to log in every day this month for a free reward chest. its free! Heres an ad. Would you like to sign up for this credit card to recieve 10 free diamonds? Invite a friend and you can earn points! Ding! Youve leveled up. Heres an ad. This is our special bonus play weekend, you get one free replay and a pack of diamonds only costs 4.99$. You can use your gold to purchase new skins for the tetris blocks. This ones shaped like cats! It costs 100 diamonds. You need to collect them all. Free to play, may be some in-app purchases.

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hi here's a booklist of contemporary poetry (ZLibrary, epubs + PDFs, free to download). already more than 100 books, but plan to add more as they become available + as i read them <3 enjoy!

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Visible Mending Guide

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Hey with all the piracy going on, be careful

you don’t know what could have a virus, don’t blindly trust random people on tumblr/twitter offering free cartoons!

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This is about Sci-Hub. yeah we get it.. gatekeep knowledge and protect the interests of capital…