@architeuthisducks-blog

I feel like people should really just block transphobes instead of doing epic owns
[image description: tags from @cumaeansibyl that say "#don't put that shit on your dash for trans people to encounter #it's not like arguing will convince anyone #keep uplifting trans people instead it'll get the message across without scaring anyone" /end ID]
^^^ THIS.
I just saw a 'mutual aid' post going around where instead of asking for donations, the person was asking someone to be a "guarantor" - also known as a "co-signer" - for their rent.
I am all for mutual aid. I think credit scores are a scam designed to fuck poor people. I get it. I do. BUT. Being a guarantor/co-signer for someone basically means that if they don't pay what they owe, for whatever reason, their landlord, bank, creditors, etc. can and will come after you for the full amount.
It seems like such an easy way to help someone. You don't need to pay any money, just lend them your name and good reputation so they can get permission to borrow and spend their own money. It feels like you're getting one over on the shitty capitalist system and using your privilege of good credit/income to help someone else.
But it is a HUGE risk. Do not do this. All it does is give that shitty system more ways to get their hooks into you and create tons of problems for you down the line.
You can really fuck yourself over in the long run by getting tangled up in a financial situation like this. Even co-signing for someone in your life who you trust, like a sibling or a parent, can be really risky. No matter how much you trust someone not to purposefully leave you holding the bag, now you're on the hook if they end up with financial problems neither of you anticipated.
Do not co-sign for another person's loan, car, rent, etc. unless you are able and prepared to pay the full amount or subject yourself to the mercy of whatever that person gets themselves into.
ESPECIALLY do not do this for someone on the internet, where scams are rife. Do not share your personal information with people online and NEVER allow someone else to use your personal information for their finances.
I... I can't believe this is actually a thing that's happening. Babies, PLEASE don't cosign for someone on social media! Even if it's someone you trust, it can go tits-up real fast. We talk about it in this episode of the podcast:
Season 1, Episode 3: "My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?"
"you only deserve food and shelter if you contribute to society" says people living in countries where nobody's labor actually feeds or benefits their neighbors anymore but exclusively benefits the companies keeping the food and shelter behind the artificial paywalls
You're not nomads relying on each other to hunt and gather anymore, you're talking about stocking shelves for fucking wal marts
And even the oldest societies on earth all took care of the elderly or sick anyway

Feeling Squirrely? A fear submitted by Alex to Deep Dark Fears - thanks!
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