This Is A Lot More Helpful Than You May Think...

This needs to spread so much, so much of this I only learned about a few years ago at age 30!!

Kids, we know how interest works, right? A while back I made a post about how credit card interest can screw you, but we know how interest can be good for you too, right?

I suspect we don't know about this because on one of the posts I made about it someone said something about how it is evil that money can make money, but you know that's not just for the ultrawealthy, right? That is legitimately something that you can and should take advantage of in some kind of retirement/savings/investment account.

Let us say that you are twenty years old, have no money to put into a savings account, but have a job that pays you well enough that you've got twenty dollars to spare from each paycheck.

Let us say that you put that into a normal savings account; normal savings accounts have an average interest rate of .56 APY. Let us say you are going to be working until you are sixty, and that you will add forty dollars to that account every month (twenty bucks from each paycheck) for a total of $480 per year.

At the end of 40 years you would have about $21.5k.

That's a pretty good chunk of change! twenty thousand dollars is a lifechanging amount of money. But look at the total interest. In forty years you would have accrued only $2300 in interest.

Now, instead, let us imagine that you are a member of a credit union that offers you a free, high-yield savings account with a decent APY. Everything else being the same, but putting that money in an account with a 4% return does this:

Your total contributions that you put in stay the same, but the amount of money you have at the end of forty years more than doubles.

Let's say you have a thousand dollars to put in the account at the beginning and run it again.

Low interest account: you add $1000 at the start and have an extra $1200 at the end.

High interest account: you add $1000 at the start and have an extra $4000 at the end.

There are many, many very stable opportunities for savings that will grow your money. Fifty thousand dollars isn't a retirement plan, but it's a hell of a lot better than what you would have if you just stuck cash in a savings account or if you didn't save any money at all.

I know how hard it can be to save. I know it feels impossible to put money aside, but even if you start with no money and can tuck away five dollars a week you can get a LOT out of that five dollars a week.

This certainly isn't "you can't buy a house because you get coffee at the cafe," but it something that can HELP.

Now, let's suppose you're not twenty. Let's suppose you're in my boat, and you're (almost) forty and you're going to be saving for twenty years. You still don't have a lot of cash, but you know it has less time to grow interest, so you double your contribution and you put in forty dollars for each paycheck for a total of $960 a year.

That is extremely very much not the same thing as putting in forty bucks a month for twenty years. Instead of your interest being nearly one and a half times the amount of your contributions, it is around half.

If you are a young person (honestly even if you are not a young person) and it is in any way possible for you to start putting money into any kind of an investment account, you should do so as soon as humanly possible. The earlier you do it, the more interest you will have and the more money you will end up with when you are nearing retirement age.

This is how individual retirement plans work. This is what a 401K does, but sometimes it does that with matching contributions from your employer (so your employer matches whatever you put into the account up to a certain percentage of your pay). 401K accounts also often have higher APYs than high yield savings accounts, though they have more limitations on how and when the money can be pulled out.

If you are broke as fuck and never learned anything about investing or interest from your family because your family was broke as fuck too, now is the time to learn. r/PersonalFinance is a reasonable resource (and if you ever happen to have a windfall that's the first place I would point you for figuring out how to make the most of it) for learning about this stuff.

Thinking about money sucks! Being afraid you'll never be able to retire sucks! Having to figure out how to save sucks! But there are tools out there that even very fucking broke people can use to make that suck less.

Honestly, I doubt that is all of them but they are the sort for too stupid to live or up for a Darwin award.

I just love it when video games let you do really stupid shit that kills you immediately. I love being like "oh this is a terrible idea" and being able to do it and then die. It's good game design.

when two musicians sing into the same microphone and lean in very close to each other… like omg are you guys gonna kiss now to relieve the homoerotic tension?😳

I have done this before 🤣🤣

People with shit eyesight whenever they're around other people with shit eyesight start passing around their glasses like it's a blunt rotation just to see how blind everyone else is.

I adore this, I don't know why but I do 🤩

And if I had the money I would, instead I'll share it.

At the gate for my flight home from visiting friends and there's a woman here with a service Shiba Inu. No pics because he has a Do Not Disturb vest and taking pics of strangers is illegal but I need to stress how ON DUTY this animal is. Ears up. Eyes doing Lazer scans of everything. Examining everyone who passes within 10ft like a security guard. Ass planted on her feet. I have never seen a dog with such intense chivalric guardian energy before. He has tiny eyebrows and they are FURROWED with concentration.

...

at this point the most charitable interpretation of tumblr's moderation is that

terfs on this site (users, not employees) have figured out that they can weaponize the automated banning system with mass reports on trans women

at best, nobody on staff has noticed this pattern of behavior for several years despite it being explicitly pointed out to them multiple times; at worst, there is at least one terf on staff making it so that mass reports of trans women get acted on instantly and are rarely if ever reviewed

Photo Matt has an ego the size of Cleveland and will ban anyone who incidentally bruises it while lying through his veneers about the reasons why when they are blatantly obvious to anyone with eyes

i'm genuinely not sure whether Matt is garden-variety transphobic, or if he hates everyone who shit-talks him and it just so happens (for no reason at all) that the trans women on this site dislike him and his moderation team more than most other groups so he just hates the fact that they keep making him look transphobic when he systematically bans them for hating him

tumblr's legal and PR teams are waking up right now, checking Slack on their phones before getting out of bed, and are probably screaming into their respective pillows

☝️I agree!!

And they look out so hard for the well being of the spiders AND the dolphins

Geology of Natural Disasters and How to write them into your fictional universe.

So, you want to write about a natural disaster to advance your plot and torture your players/characters even more? Let me tell you how, accurately.

I feel like unless it is a volcano, natural disasters are a pretty slept on plot drivers, and some of them are really cool and unique! Today, I will talk to you about land slides, earthquakes (And earthquake related disasters), and volcanoes.

Landslides: Probably one I see the least in stories, but one that would be incredibly interesting to write into a plot where they believe in curses. Landslides can happen along ocean bluffs, slightly hilly areas, and highly mountainous areas, this means it is something that can happen in most landscapes. But what can trigger a landslide? Mostly all you need to trigger a landslide could be just abnormally large amounts of rain, excessive deforestation (with a little bit of rain), or an earthquake. If you don't want to use deforestation or an earthquake as a catalyst, a really cool indicator that the land is slipping and may be prone to a collapse is J hooked trees.

This indicates that there is soil creeping slowly over time, and it may lead to a major landslide.

2. Earthquakes: Probably one of the easiest things to write, earthquakes can happen anywhere, but they are most common in places that are tectonically active areas. There are about three types of environments you can expect earthquakes to be common. The first is just rugged mountains, if your landscape looks like this, you should write in earthquakes. Associated hazards could be landslides, avalanches, and large falling rocks.

The next landscape could be a thin mountain range, next to the ocean, very scenic, but very dangerous. Essentially, I am describing a subduction zone environment.

Earthquakes in these areas could equal a couple different associated disasters. Scenario one: A very large earthquake happens, and the ocean begins to recede. This is a tsunami, enough said. If you are writing a tsunami though, please, please, do not write it as a large wave, thank you. Also, a common way people are hurt by tsunami's are from them going into the ocean because they don't understand a tsunami is going to happen.

Scenario two: A large earthquake happens, your characters are in a valley and suddenly the ground begins to liquify as the ground shakes, once the shaking stops, the ground becomes solid like nothing ever happened, except everything has suddenly sunk into the now hard ground. This is called liquefaction and it typically happens in areas that have loose dirt or lots of saturated soil.

Scenario three: There are a lot of small earthquakes, they do not cause a lot of damage, but you begin to notice that one of the isolated mountains has a plume rising. Earthquakes can indicate lava moving underground and the filling of magma chambers.

The next environment that can host lots of earthquakes would be regions that have a lot of really deep valleys and small mountain ranges (not cone volcanoes), but overall seems pretty flat.

This indicates a transform fault like the San Andreas. If you want to hint at there being earthquakes in the area, you can show fence posts that are suddenly several feet out of line at a dilapidated farm or something similar.

(These earthquakes are different because they are cased from sideways movement, not an up-and-down movement this hint can only be used for this environment). Volcanoes would not be found here, but liquefaction and landslides could still occur here.

4. Volcanoes: If you thought earthquakes had a lot of information, volcanoes do too. First you have to ask yourself, what kind of volcano you want to have, what kind of eruption style? So lets break down the kind of eruptions you can have and what their landscapes look like. Hawaiian Shield volcano: This will produce a smooth fast lava, the landscape typically is pretty flat, but there will be small cones and the rocks can have a ropey or jagged texture and the rocks will be almost exclusively black to dark red.

Stratovolcanoes: These will be solitary mountains, typically, that look like perfect cones (Picture shown in earthquake section). These will have large ash cloud eruptions and pyroclastic flows, they may have some lava, but typically most damage is done from the pyroclastic flows (think Pompeii). Some hints of these, other than describing the cone features (which can be hidden by other mountains), would be to talk about petrified wood! Trees can get fossilized in the ash and I imagine it would be very strange to find this rock that clearly looks to be a piece of wood, but its a rock. Subcategory- Calderas: Used to be a large stratovolcano, but they erupt so explosively that the entire cone collapses and creates a basin.

There are a lot of kinds of volcanoes out there, so forgive me for just putting an infographic and then talking to you about these really rare types of eruptions that I feel like people should know about.

Okay lets talk about blue lava (kind of) and black lava

You will notice the lava is still red in the middle of this image, during the day these would look like a normal eruption, but at night the burning sulfur would make it appear blue. Some cool features other than this, would be that any water in the area would become very acidic and burn the skin due to sulfuric acid. This would again be really cool if you are trying to describe a 'cursed' land.

Black lava: This happens only in the east African rift I believe, but it is a carbonatite lava, but if you are writing in a rift valley (where the continent is tearing apart to form a new ocean) this might be a cool feature. The lava will cool white and will quickly erode, it makes for a very alien landscape!

Anyway as always, this is supposed to be an introductive guide for the basics of writing geology to create cool landscapes/features into dnd or fictional universes, if you are a geologist please understand my oversimplification of tectonics, I didn't want people to run away.

☝️☝️☝️ THIS!!!

Louder for everyone who needs to hear!!

Source

“Image Credit: Carol Rossetti

When Brazilian graphic designer Carol Rossetti began posting colorful illustrations of women and their stories to Facebook, she had no idea how popular they would become. 

Thousands of shares throughout the world later, the appeal of Rosetti’s work is clear. Much like the street art phenomenon Stop Telling Women To Smile, Rossetti’s empowering images are the kind you want to post on every street corner, as both a reminder and affirmation of women’s bodily autonomy. 

“It has always bothered me, the world’s attempts to control women’s bodies, behavior and identities,” Rossetti told Mic via email. “It’s a kind of oppression so deeply entangled in our culture that most people don’t even see it’s there, and how cruel it can be.”

Rossetti’s illustrations touch upon an impressive range of intersectional topics, including LGBTQ identity, body image, ageism, racism, sexism and ableism. Some characters are based on the experiences of friends or her own life, while others draw inspiration from the stories many women have shared across the Internet. 

“I see those situations I portray every day,” she wrote. “I lived some of them myself.”

Despite quickly garnering thousands of enthusiastic comments and shares on Facebook, the project started as something personal — so personal, in fact, that Rossetti is still figuring out what to call it. For now, the images reside in albums simply titled “WOMEN in english!“ or ”Mujeres en español!“ which is fitting: Rossetti’s illustrations encompass a vast set of experiences that together create a powerful picture of both women’s identity and oppression.

One of the most interesting aspects of the project is the way it has struck such a global chord. Rossetti originally wrote the text of the illustrations in Portuguese, and then worked with an Australian woman to translate them to English. A group of Israeli feminists also took it upon themselves to create versions of the illustrations in Hebrew. Now, more people have reached out to Rossetti through Facebook and offered to translate her work into even more languages. Next on the docket? Spanish, Russian, German and Lithuanian.

It’s an inspiring show of global solidarity, but the message of Rossetti’s art is clear in any language. Above all, her images celebrate being true to oneself, respecting others and questioning what society tells us is acceptable or beautiful.

“I can’t change the world by myself,” Rossetti said. “But I’d love to know that my work made people review their privileges and be more open to understanding and respecting one another.””

From the site: All images courtesy Carol Rossetti and used with permission. You can find more illustrations, as well as more languages, on her Facebook page.