hey, minors, please do not treat paypal like a social media account. it is banking. it is a legal thing. you’re not legally allowed to have one. if you ever prove identity your funds will be seized and your account will be closed. making a paypal as a minor is dangerous and useless to you. 

you can never delete an account, only close it, so if you ever prove identity banks will then have that information at their disposal. and paypal may even take legal action against you.

if you made a paypal account as a minor: close it right now.

if you’re in serious trouble you’re going to need the help of someone who is legally an adult to run money through them, otherwise again, you could be in serious legal troubles.

DO NOT MAKE A FAKE PAYPAL ACCOUNT IN SOMEONE ELSE’S NAME it is identity fraud … this is again taken VERY SERIOUSLY. I cannot stress this enough.

you can also seriously fuck over your own credit rating in the future, and that can turn into something thatll haunt you for a long time if you fuck up bad enough.

I know you kids probably aren’t thinking about credit yet, but it is important when you’re an adult, it can be the difference between getting housing and not getting housing. it is a huge deal.

Do. Not. Treat. Paypal. Like. A. Social. Media. Account. It. Is. Not. A. Toy.

Discussing Vested Stock Options The Other Day, Like You Do

copperbadge: I do kind of want to write a fic now where Tony is trying to explain stock options to Clint.
copperbadge: “Take me through it one more time."   "Clint it’s so simple."   "Your stock is IMAGINARY.”    “All stock is imaginary!”
scifigrl47: “WHY ARE YOU PAYING MONEY FOR IMAGINARY THINGS?”
copperbadge: “People pay ME money for imaginary things!"    "You are a con man."   "I AM A TITAN OF INDUSTRY!”
scifigrl47: “A conman with a COLLEGE DEGREE.”  
copperbadge: “Does Pepper know your company is based on a lie?"   "Pepper owns 24% of the lie!" 
copperbadge: Meanwhile, Steve is like "THIS! THIS is why half the country was unemployed when I was a child!" 

Tips For A Broke Hoe✨

1. Download your bank’s app onto your phone so you can check your account balance and transactions. This can help prevent you from spending too much money, keep track of what you’re buying and how often, and can also catch identity and bank theives early so you don’t lose all your money.
2. Get a job with a place you shop at frequently. A majority of retail companies give their employees some generous discounts (for example I work at Kohls and we get 15% normally, plus frequent 20/20/15% stacked friends and familu discounts, plus frequent 35% off everything discounts, AND employees can stack coupons and Kohl’s cash when other customers can’t).
3. COUPONS HOE!!! Clip coupons from paper ads, download RetailMeNot, and sign up for the free Rewards programs with your fav stores to get updates on sales and additional coupons.
4. Try to avoid vending machines and eating out. This’ll help you stop eating junk food as much, and save you some dough.
5. If you’re dissatisfied with a product (especially makeup), EMAIL THE COMPANY. They will typically compensate you with a refund, or a coupon, or even a free alternative product.
6. Keep your receipts for expensive items or items that you aren’t too sure about, and familiarize yourself with that store’s return policy.
7. Take advantage of student discounts. A lot of fast food places and clothing stores aaccept discounts with your student ID.
8. Cheap But Amazing Makeup Brands: MAKEUP REVOLUTION, NYX, ELF, Essence, Maybelline, Covergirl, and Loreal Paris (all available at Ulta, Target, Walmart, or your local pharmacy)
9. Talk to your bank about setting up a Certificate of Deposit (CD). This is a particular savings account that when you invest your money, it accumulates mote interest over a set amount of time, so when yhat time is up you have more money than what you started with. Be careful with these though, because interest rates can vary, and if you withdraw any money from your CD before the set time is up, you can lose your interest or even your original funds. This is good for saving up bulk amounts of money for college, cars, or a home.
10. Set up budgets for each week/month/year to regulate your spending. Categorize your money imto things like “Food,” “Clothes,” “Gas,” “Personal Care,” “Bills,” etc.
11. Order water at restaurants. At fast food places, ask for a water cup. Water is ALWAYS free, and it’s much healthier for you than soft drinks.
12. Unplug your chargers/cords when you arent using that shit to save on your electricity bill.
13. Shop👏at👏the👏Goodwill👏. They have actual cute, retro shit for way cheaper than your typical bougie places.
14. A lot of times you can get FREE SHIT by filling out surveys on your reciepts after shopping somewhere. Ulta enters you into a lottery to win a $500 gift card, Kohl’s gets you more coupons, etc.
15. Set aside $5 every week. You’ll save over $200 by the end of the year to treat yourself with.
16. Sluggbooks.com is AMAZING for buying college textbooks. It compares prices and rental fees among different websites and companies to help you get the best deal.
17. RENT👏YOUR👏TEXTBOOKS👏ITS👏SO👏MUCH👏CHEAPER👏
18. Take advantage of free concerts, parks, festivals, etc as somethin to do. Who said you gotta spend money to have fun?
19. Sell, return, or donate shit you don’t need or want. Liking everything you have (clothes, makeup, appliances, etc) is gonna keep you organized and simple, and gives you an idea of what you want/need so you go into a store without splurging on even more shit you don’t need (I know its a little confusing, but trust me your life will be so much easier)
20. I know this should be obvious, but have a good work ethic. You’re more likely to get raises and promotions. Every single is a potential reference, and you never know when you’ll be in a pinch for money and may need that job back temporarily.
21. Don’t waste all of your money on stupid shit like drugs or alcohol; its expensive and toxic for your beautiful body anyway.
22. Keep your bills, receipts, taxes, insurance policies, and other important personal information in the same organized place (I recommend a labelled file cabinent or binder). Financial organization is 🔑
23. Keep a journal of everything you buy & how much you spent in a month. At the end of each month, review and assess what were necessary buys and what you can cut down on next month.
24. If you’re a college student, a lot of schools have a free gym membership. Use it.

Thats all for now, hoes💎

MAKE A BUDGET: and stick to it. making a budget can be confusing and difficult, but what we’ve found is that understanding where your cash flow is coming from is absolutely key. be realistic about the goals you set, and set aside a small buffer amount each week in case something comes up. budgets don’t have to be the same every week, because what you do in a week can change.

check out our second post in the finance series: how to budget

USE CASH: and leave your bank card at home. studies have shown that people are more likely to spend less when using cash because there’s a better sense of how much money they’re spending/saving. besides, using cash will force you to stick to a budget!

BRING YOUR OWN FOOD: we love food but food is expensive. buying groceries every week or two and making your own lunches/snacks can save you a lot of money in the long run. (see this buzzfeed article for some recipes)

BUY GENERIC BRAND: because most of the time, generic brand is just as good as name brand. don’t let prejudice keep you from saving money!

TAKE ADVANTAGE OF FREE THINGS: if you want to hang out with your friends, consider free events happening around you. there’s usually always something happening on campus. at the very least, you can always get the free swag from those events!

APPLY FOR SCHOLARSHIPS: yes essay writing can be a pain and it may seem like a snowball’s chance in hell that you’ll get it, but just do it. a lot of scholarships don’t get as many applicants as they make it seem so you have a better chance than you think you do!

TEXTBOOKS: borrow them from a library if you can and take pictures of the pages you need (or just do your work at the library.) failing that, see if your school bookstore lets you rent textbooks instead of buying them! If you absolutely have to buy your textbooks, buy used whenever possible. don’t be afraid to scrounge the internet for a cheap(er) copy.

EVERY CENT COUNTS: even though Canada has discontinued the penny, this still holds true. as broke students, we all know that sometimes that nickel can make or break your day. so save what you can, even if it doesn’t feel like much!

this is by no means an exhaustive list. if you have more tips, send us a message and we might make a follow up post!

vimeo

Race, Finance, And The Afterlife Of Slavery

Justin Leroy presents on the overlapping histories of race and financial innovation, from slave insurance to social entrepreneurship, in conjunction with Cameron Rowland’s project for the 2017 Whitney Biennial. Leroy teaches nineteenth-century U.S. history at the University of California, Davis; his book Freedom’s Limit: Racial Capitalism and the Afterlives of Slavery, is forthcoming from Columbia University Press.  

10 Of The Most Effective High Level And Nitty Gritty Tips For Getting Rich

There are a million paths to getting rich. But there’s unlikely anyone out there successful who wouldn’t emphasize the value of people skills in succeeding. So back to your question, how do you get rich quickly:

1. Learn relentlessly.

2. Become a people person.

3. Work hard.

4. Take risks.

5. Get a job in a high growth industry.

6. Work for the best and most recognizable company you can work for.

7. Become an expert.

8. Create multiple income streams.

9. Be too busy to spend money.

10. Finally, start a company.

Here’s why these tips are so effective.