I understand. You found paradise in America, you had a good trade, you made a good living. The police protected you and there were courts of law. You didn’t need a friend like me. But, now you come to me, and you say: “Don Corleone, do you support this ship/kink?” But you don’t ask with respect. You don’t offer friendship. You don’t even think to call me Godfather. Instead, you come into my house on the day my daughter is to be married, and you ask me to get involved in your discourse.
No joke if youre a young American with a job go open up a Roth IRA and start saving money
My first day of classes, my professor doesn’t even hand us a syllabus. He begins instantly talking about retirement accounts. We were all a bunch of history-loving college kids who probably wanted to go into academia and we were the perfect audience for such a talk. He specifically told us to open a Roth IRA. We were young, low income, and probably all unmarried.
A Roth Individual Retirement Account (Roth IRA) is meant to hold post-tax income and accrue interest tax-free. It’s meant for young lower-income workers looking to invest early and its most effective when done then – Anyone who has made income from a job can open one (which includes child actors apparently). Roth IRAs have eligibility requirements. if you are single or the sole head of your household and your Modified Adjusted Gross Income (google that) is less than $120,000, you can put in the maximum of $5,500 a year (although you cannot contribute more than you earn if you make money below $5.5k). Married couples and old people have slightly different requirements and outcomes.
“… if a 20-year-old puts $5,000 a year into a Roth for 10 years and then stops contributing, … the 10 years of Roth contributions and growth – let’s say about 8% interest a year to age 65 – could total about $1,070,944 tax-free dollars [for retirement].”
I’d read more about it to see if youre eligible and if itd right for you but pretty much any high school and college student with a job will benefit from one. If you think you’ll need money later in life after retirement, you need to open one of these.
It’s also worth noting that in order to comfortably retire it’s recommended that you contribute at least 10% of your income and try to begin by age 20.
Many workplaces (even shitty retail jobs if you jump through enough hoops) will match your 401k contributions. My workplace (a factory), for example matches 100% for the first percent and 50% for the next 5%, meaning by contributing 6% of every check, my employer will contribute a total of 3.5% of what I make, but out of their own pocket. Make sure to find out about and take advantage of any such program you can find
I work at a bank, my job involves some basic IRA knowledge. This is pretty good advice, I just suggest you make an appointment with your bank so there’s time to discuss the accounts available. For example, CDs (certificates of deposit) usually have better interest rates but those funds are locked – you can’t add to it until the term is up. IRA accounts (statement or passbook savings at my bank) you can add to will probably have lower interest. You might be best off with either/or, or one of each, but you won’t know till you get your options in detail. Don’t be afraid to check at more than one bank, either!
WILL BE BLOCKED BECAUSE of SOME OLD POLITICIANS “that know the youth and the internet the best then anyone else” IN THE SENATE THINKING THEY KNOW BETTER SHUTTING DOWN YOUTUBE AND OTHER SOCIAL PLATFORMS FOR ME AND PEOPLE LIVING IN THE EU FOREVER!
PLEASEEEEEEEEEEEEEEEEEEEEEEE I REPEAT THE ARTICLE HAS BEEN CHANGED COMPLETELY NO FUCKING JOKE GUYS! LAST TIME IT WAS ALL ABOUT PROTECTION NOW THEY ADDED SOME STUPID STUFF AND THEY WILL BE TAKING AWAY MY YOUTUBE; SOCIAL MEDIAS AND EVERYTHING!
PLEASE SIGN UP IN THIS PETITION IF WE DON´T HIT 5 MILLION GERMANY AND SO MANY EUROPE COUNTRIES WILL LOSE THEIR SOCIAL AND MORE!
SHARE THIS POST AND SIGN UP AND VOTE THE MORE THAN BETTER! Let’s SHOW THESE OLD PEOPLE THAT YOUTUBE, TUMBLR, INSTAGRAM AND ALL THESE GREAT OTHER SITES AREN´T FUCKING USELESS AND SHET BECAUSE THEY DO NOT KNOW WHAT SOCIAL MEDIA IS! INSTEAD OF TAKING THESE PRECIOUS THINGS THEY SHOULD WORRY ABOUT OTHER.STUFF ( Migrants, new school system) BUT NAH THEY WANT TO TAKE AWAY OUR SOCIAL MEDIAS
I REPEAT article 13 HAS COMPLETED CHANGED AND IN A FEW MONTHS IT WILL TAKE AWAY OUR SOCIAL media LIKE TUMBLR AND YOUTUBE HERE IN EUROPE PLEASE SIGN UP FOR US GUYS I BEG YOU!
PLEASE HELP US GUYS I BEG YOU and PLEASE! reblog IT ISN´T ANYMORE A JOKE THEY HAVE COMPLETELY TURNED THE ARTICLE AROUND FOR THE WORST THIS WEEK!
YO NON-EUROPEANS CAN ALSO SIGN GET IN LINE FOR YOUR EURPOEAN HOMIES GUYS CMON
PLEASE HELP THEM
Yo OP you’re a real piece of artwork, ya know that?
So, first of all, this is pure hyperbole, but i’ll get to that in the end. What I find especially bad is that you only link to the change.org petition that is really vaguely worded.
These above links have on the left side the original text and on the right the most updated version as of september 12.
All good? Nice, let’s take a look inside them!
TL;DR: The Directive’s new amendments on Articles 11 and 13 have actually enstrenghtened consumer rights and defused to a large degree the ticking time bomb that was the bots. Also, the EU has no Senate!
So, first off, Article 11 – the apocalyptic attitude of the OP is already disputed because we see right in Section 1a that, and to quote:
“
The rights referred to in paragraph 1 shall not prevent legitimate private and non-commercial use of press publications by individual users.
“
Which means, if you’re not making money off it, then it’s all good – you can share it online, or keep it for yourself on your phone or computer.
This is further corroborated by Sections 2a, 4 and 4a, which in turn talk about sharing hyperlinks (aka links from websites), how long the rights are retained for commercial use (which number has been reduced from 20 years to just 5 years – a bit much, but not apocalyptic again), and about the Members of the EU having to accomodate for these compensations.
To quote again:
“
2a. The rights referred to in paragraph 1 shall not extend to mere hyperlinks which are accompanied by individual words.
“
4. The rights referred to in paragraph 1 shall expire 5 years after the publication of the press publication. This term shall be calculated from the first day of January of the year following the date of publication. The right referred to in paragraph 1 shall not apply with retroactive effect.
“
4a. Member States shall ensure that authors receive an appropriate share of the additional revenues press publishers receive for the use of a press publication by information society service providers. “
This is a good time to remind that Articles 11 and 13 and the entire legislations ARE NOT LAWS. They are DIRECTIVES, which is basically EU law from what i know for making a list of rules that member countries can check, see if they comply, and then choose for themselves if they find their current laws adequate or need to update them to fit the definitions set by the directive. For more on that, check an actual law student’s post on the subject here – she honestly tells it much better than i could ever hope to do so:
Right, now onto Article 13. So, the big important boi here is Section 2b, which, to quote a brief excerpt:
“
Members States shall ensure that online content sharing service providers referred to in paragraph 1 put in place effective and expeditious complaints and redress mechanisms that are available to users in case the cooperation referred to in paragraph 2a leads to unjustified removals of their content. Any complaint filed under such mechanisms shall be processed without undue delay and be subject to human review. Right holders shall reasonably justify their decisions to avoid arbitrary dismissal of complaints.
“
THIS RIGHT HERE PROTECTS YOUR RIGHTS FROM CORPORATIONS FROM CLAIMING IT AS THEIR OWN.
It also serves another purpose as it demands that all content that has been claimed MUST be reviewed by a HUMAN PERSON, not a bot. This is monumental news, for the mere fact that what we feared with Article 13 was that the directives was gonna utilize bots like YouTube and Google do exclusively, and mandate they be used. This section basically says “yo, whatever you use, if something is claimed, you gotta have a human review”.
These views are further strengthened by the rest of Section 2, 2a and 3, which goes in length about how current streaming and video/content-hosting services’ code of conducts will be enforced. This is where the argument about how the EU will go full dictatorship and will censor the internet falls apart. To quote briefly again:
“ 2. Licensing agreements which are concluded by online content sharing service providers with right holders for the acts of communication referred to in paragraph 1, shall cover the liability for works uploaded by the users of such online content sharing services in line with the terms and conditions set out in the licensing agreement, provided that such users do not act for commercial purposes.
“ 2a. Member States shall provide that where right holders do not wish to conclude licensing agreements, online content sharing service providers and right holders shall cooperate in good faith in order to ensure that unauthorised protected works or other subject matter are not available on their services. Cooperation between online content service providers and right holders shall not lead to preventing the availability of non-infringing works or other protected subject matter, including those covered by an exception or limitation to copyright.
“ 3. […] When defining best practices, special account shall be taken of fundamental rights, the use of exceptions and limitations as well as ensuring that the burden on SMEs remains appropriate and that automated blocking of content is avoided.
“
So, in conclusion, Article 13 and Article 11 is not the devil it once was, and its recent amendment has made it a lot more user-friendly!
Now, I wanna address the original post directly, cuz the language used is very telling. First of all, it’s all caps, so, unless you’re @factsinallcaps, your credibility is automatically lowered imo. Secondly, the lack of direct links to either articles, or even news pieces from websites about net neutrality is very telling. The fact that only the link to the change.org petition is linked is highly suspicious.
Now, let’s go into details; First of all, the EU has no Senate. This isn’t the United States. And there was never any talk about shutting down social media – this is not a situation like in Turkey, where YouTube has been taken down and replaced with a local one.
The wording especially of the final phrase, “
INSTEAD OF TAKING THESE PRECIOUS THINGS THEY SHOULD WORRY ABOUT OTHER.STUFF ( Migrants, new school system) BUT NAH THEY WANT TO TAKE AWAY OUR SOCIAL MEDIAS
“, also has me severely troubled. The EU cannot implement a pan-european EU-licensed new school system. That’s just not how it functions! This is up to each individual country comprising the EU to make up.
Also the migrants crisis and the way they’re thrown nonchalant here reads like a very reactionary right-wing talking point. And this is a big deal when it comes to the Article 13 debacle – the talking points have been hijacked by anti-eu personas (like Computing Forever) who espouse views that are anti-semitic, islamophobic, sexist, transmisogynist and racist. So, despite Article 13 being a really obvious sticking point and in need of proper debate, especially after the tragedy that was the rollback of net neutrality in the United States, we had the discourse surrounding the Article and what it does poisoned by Far-Right discourse, which in turn has produced the meme about the EU coming to censor all memes and, in this post’s case, take down all social media.
And it’s sad.
And I’m tired of it.
Now, what is happening with Article 13 right now? Because, remember, these amendments happened in early September, and it is November the 8th right now, 40 minutes past midnight in Greece. So, according to Julia Reid, the head of the EU pirate party and overal extreme badass is in negotiations with the rest of the EU council, discussing further amendments, and judging from her twitter, things are going pretty good!
(quoting the tweet in case you can’t open the link:
Good news, Council did not insist on its wording on the relationship with existing #copyright exceptions in Article 17a today. It looks like we may be able to solve this problem in the next round of negotiations. #FixCopyright )
(I’ve never looked into Article 17, so I can’t speak about that, but I trust her)
And that’s about it! Votes are set to come in like early 2019, which will finalize the Articles, and then the directive will be shipped to each member state, where each parliament will decide on how to implement those articles
Don’t fall for the reactionaries tumblr, and research before you reblog! The current version has 20k notes and it tells a grossly misleading version of the Directive, one influenced by anti-EU, far-right reactionary elements.
And sorry for the long post! Have a good evening ^_^
please do reblog this version of the post if you see it, cuz the post has 30k notes and it’s still misdirecting people as to how art13 has changed
jesus christ finally someone caught this dang misinformed person.
Yes it has changed and the changes are a step in the right direction!
Glad to see people calling out fear-mongering bullshit.
Just found this version while digging through the notes-
As stated in a previous post, I am American. I’ve been mainly paying attention to issues on my own continent. Nonetheless, I apologize if I have spread any misinformation about this topic. I can safely say I have no idea what’s going on anymore.
Article 13 is going into it’s final stages of voting.
If this gets through, it will allow many, many companies to abuse and misuse this article to take down as many memes, fan works, and even other independent creators on sites like YouTube, Facebook, and other websites INCLUDING Tumblr.
THE FAIR USE LAW AND SAFEHARBOR LAW WILL NO LONGER APPLY IN THE U.S OR IN OTHER COUNTRIES.
IT HAS ALREADY PASSED IN SEVERAL OTHER COUNTRIES.
WE CANNOT ALLOW THEM TO TAKE AWAY WHAT WE BUILT FOR THE INTERNET SO FAR.
So here is what you need to do to drag this article down.
1. Spread the word
I can’t stress this enough. The more attention this gets the more people we can get to take this down.
2. Make your own content
Make your own content on the matter and make sure it is clear to others that Article 13 is bad for every internet user involved.
3. If you live anywhere in Europe, contact your MEPs
Ask them if they approve of the article and why. If they do approve of it, try to convince them in a clear, reasonable, and most sensible way possible that this law is BAD.
The article itself is way to vague about what it’s conveying to its people.
Saying that as long as the use of said internet memes or content is good as long as it’s in “good faith.”
We cannot let some shoddy government tell us what we can and cannot post.
FREE SPEECH IS A HUMAN RIGHT. NOT A PRIVILEGE.
Here’s a video on Article 13 that Film Theory made on the matter. It will explain things better than I can.
I’m planning to make a podcasts about famous fantasy or sci fi writers where we will talk mostly about the author and then we will decide if we would win a fight against them
Discount Deity of Death 