So, I’ve been pulled over a few times in my life. Not many, but a few. And I’ve also been in a couple of cars that got pulled over. And let me tell you, if you were actually doing something wrong, the officer doesn’t make any small talk, just straight into “I clocked you doing 70 in a 55.” The only time I’ve ever gotten the “do you know why I pulled you over?” was the time when I wasn’t doing anything wrong, and I got let go even though he insisted to the end that I was doing 87 in a 70 (white privilege at work).
“Do you know why I pulled you over?” is a trap. It means there’s a good chance the officer doesn’t actually have a good reason to ticket you, and is trying to get you to waive your 5th Amendment rights and incriminate yourself. If you make a guess, that’s a confession of guilt.
But there’s another trap, that I’ve heard of but haven’t yet experienced. It’s “do you know how fast you were going?” With that one, they’re hoping you’ll say no, because then they can name whatever speed they want – you just said you didn’t know how fast you were going, if you deny the speed they name then you’re lying to them.
Oh, I’ve had that one. Go with “yes.” Don’t give them a number, just say “Yes.” Then they still have to offer a number and you can deny it without contradicting yourself. They could just ask you, at that point, but that’s suspiciously similar to saying they don’t know, and they tend to avoid doing that.
Reblog to save a life
if you scroll past this just because it doesn’t affect you personally, i see you.
Also, you can always go to court and contest a ticket, and a lot of times you’ll win. Or if the cop thinks you’ll win they won’t even show up and you’ll win by default.
They like to target out of state plates because anyone who would be majorly inconvenienced by a court date two months away is a lot more likely to just pay it.
if you’re from the EU and haven’t done so yet, please please please sign the petition for unconditional basic income!
it needs 1 million signatures by the 25th june, as well as reach a certain threshold in at least seven countries which it only has in three, and it’s also still missing so many signatures to reach 1 million and time is running out
please just do it, it’s free, it should be safe cause it’s quite literally an official EU site, and literally all you need to do is put your name and address on there (not visible to the public, but they will check if the signatures are legit so please don’t fake any signatures, that’ll just make it look like the goal was reached when it wasn’t)
please just do this, time is running out for this initiative. if there’s any reason you haven’t signed it yet and won’t do it, tell me the reason, maybe i can debunk it
As a nonbinary lesbian, I’m used to people saying they “don’t really get my whole deal” and that “it just doesn’t make sense”. That’s why, this pride month, I’m partnering with Riverdale
Okay, USA followers, you know how we all hate bank fees? I mean, you overdraw your account by $1.23 and you get charged $25.00? That’s evil.
As of Jan 26, 2022, the Biden Administration CFPB (Consumer Financial Protection Bureau) is bringing the hammer down on junk fees. This is more than just bank fees - this is going after the junk fees on things like prepaid cards, loans, bank transfers, credit card late fees, even closing costs on a mortgage.
The CFPB needs public comments, like the opinions of real people who are affected by these fees, to build a case about telling financial organizations that THEY CAN’T CHARGE THEM ANYMORE.
The CFPB says it’s particularly interested in hearing from older and lower-income consumers, students, service members and people of color.
There’s some good detail about the comments in this investopedia article. The easiest way to comment is to send an email to FederalRegisterComments@cfpb.gov. Include Docket No. CFPB-2022-0003 in the subject line of the message.
Note that these are public comments. They will be published online through the CFPB website. Don’t include account numbers, social security numbers, or full names. Tell a story - tell about the time you overdrew your account by $1.23 and the bank took $35. Tell about how you signed up for a credit card and the company charged you a bunch of fees you didn’t even know about. Tell about how you transferred money from your savings account to a checking account and the bank charged you $2.50.
These junk fees are a slap in the face of ordinary people who can’t refuse to pay, and the CFBP is taking aim at the banks that charge them. To read what CFPB director Rohit Chopra had to say about this call to action, click here.
You have until March 31, 2022 to submit comments.
YES!!!!
FUCKING YES!!!!!!
Y'all know the hole I just asked your help digging me out of like, literally last week?
THAT HOLE WOULD NOT HAVE EXISTED WITHOUT PREDATORY FEES LIKE THIS
THIS WOULD BE SO GOOD FOR SO MANY PEOPLE
DATES: Comments must be received on or before March 31, 2022.
ADDRESSES: You may submit comments, identified by Docket No. CFPB-2022-0003, by any of the following methods:
• Email: FederalRegisterComments@cfpb.gov. Include Docket No. CFPB-2022-0003 in the subject line of the message.
• Mail/Hand Delivery/Courier: Comment Intake —Fee Assessment, Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. Please note that due to circumstances associated with the COVID-19 pandemic, the CFPB discourages the submission of comments by hand delivery, mail, or courier.
Instructions: The CFPB encourages the early submission of comments. All submissions should include document title and docket number. Because paper mail in the Washington, DC area and at the CFPB is subject to delay, commenters are encouraged to submit comments electronically. In general, all comments received will be posted without change to https://www.regulations.gov.
Hey guys. I’m a federal employee. I write regulations. I personally go through every single one of thousands of comments.
Unlike Congress, where sometimes your call or email about a policy goes into the void, every single comment about a regulation is individually read and tallied.
When a regulation is written it will say something like “The CFPB adopted X because it received 5,284 comments telling us to do that.”
Write your comments.
It can be short. It can be long. It can go into detail about your experiences or your background. It can simply be an email saying “overdraft fees suck and should be illegal.”
And it will affect policy.
Note, however, that comments are generally public record, so even though you’re encouraged to give your name, don’t give personally identifiable information.
Federal register comments are one of the least known yet most powerful ways to influence public policy.
Send in your comments!!
This is the kind of thing where participating in the process of government will cause real, concrete results.
Unlike, say, writing a representative which feels like screaming into a void except in election years (though it’s still worth doing) this does matter. Take a few minutes and if you can write something about how this policy would help, do so.
Personally I may write about the times I’ve had to do the math to decide whether the fees were going to be worth it or not.
vanilla extract smells wonderful but tastes horrific on its own. but mixed with sugar and flour and cream it tastes just like it smells. we need the support of others to reach our full potential
