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Certified Freak

10 Sep, 10 tweets, 2 min read

Zelle is trending because some people are classist and elitist. Don't try to shame people for not having bank accounts.

According to the FDIC, as of 2017, almost 54% of black households, 44.5% of American Indian/Alaskan house- holds, and 43.3% of Hispanic households are either unbanked or underbanked.

Unbanked meaning no one in the household has a bank account. Underbanked meaning although there may be a person with a bank account, they go outside the bank for things like check cashing, payday loans, money orders etc.

Think about people who live in rural areas or don't have cars etc and can't always get to the bank the same way you can. Then tuck that privilege in please. You're being gross.

Comments like "grow up and use Zelle" are unnecessarily dismissive and highlight the fact that you have no understanding of how banking works in this country.

As I have previously stated, before returning to school to study journalism, I spent more than 15 years working in banking and finance for some of the largest financial institutions. The system is rigged.

The reason things like CashApp, Green Dot and the Walmart Money Center exist is because the system is rigged against everyone who isn't affluent and white. Period.

Not to mention that one screw up could prohibit you from getting a new bank account for 5-10 years if your name shows up in Clarity or ChexSystems.

I worked in risk management for American Express, Bank of America and Capital One.

Risk management basically assess whether or not you are worth the bank risking its assets by giving you credit. Let me tell you something: the system is fucking RIGGED.

Just keep all of this in mind is all I ask. Use CashApp or Venmo or PayPal or whichever app you prefer, but don't make a value judgment based on the app other people choose. You don't know their circumstances.

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Certified Freak

@thejournalista

11 Aug

Lauryn Hill's daughter got on iG and spoke about her relationship with her mother, the absence of her father, growing up watching her mother cry over her father, the way her mama used to beat her with a belt -- basically everything.

Here's the video. It's two hours long. She talks a lot about her trauma. She also talks about changes her mother has made and how she is proud of the changes her mom has made

instagram.com/tv/CDtmIU9gdwp

She really goes into how her daddy ain't shit and wasn't in her life. Which, this post on her IG also alludes to

instagram.com/p/CBtUl4aAMxC/

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@thejournalista

3 Mar

Prejudice, racism and bigotry are all different things, and I need you all to learn, study and memorize the definitions before you go around throwing those words around all willy nilly as if they are interchangeable. Allow me to assist.

Racism is the only of those three words were there is a power dynamic involved. Here in the United States, white people have historically had that power and continue to do so today. They use that power to create and to uphold systems of inequity and inequality.

(Also, inequity and inequality don't mean the same thing and are not interchangeable either. learn those definitions too. )

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@thejournalista

8 Oct 19

https://twitter.com/ABC/status/1181640289867485184

All right, let's break this bullshit down. Cause this is some extreme bullshit.

https://twitter.com/ABC/status/1181640289867485184

1) NO ONE in the weed game is driving 4 hours to get a couple pounds of weed. Like NO ONE. There's weed in Louisiana. TRUST. It wouldn't be worth the gas or the effort to do this.

2) His child's mother lived with him, I assume. Any of my sisters who (like an auntie you might know) have dated any type of drug dealer know that if your man gets arrested, shot, killed whatever and there is going to be any type of investigation, you take all the drugs out of

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@thejournalista

21 May 19

It seems there are a lot of us with the "my mother read what I wrote about her in my diary and started acting worse" story. I'm sorry for all of us.

A lot of us black girls especially have difficult relationships with our mothers for various reasons.

And as we grow older, we are often reticent to talk about the faults in our mothers because in the black culture that is just something you don't do. Mother are to be revered, respected, uplifted etc.

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@thejournalista

30 Dec 18

Let's take a minute to discuss engagement #OnHere.

Everyone is welcome to have their own opinions on any topic. This is a fact. You are also welcome to disagree with the opinions of others. This is also a fact.