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Stay smart, stay protected Avoid unexpected balance deductions by activating the Balance Save (PAYG Blocker) on your SIM. Once your data bundle ends, your internet stops automatically, saving your balance! Dial now: *275# (Jazz), *4004# (Zong), *6611# (Ufone), *342# (Telenor) For more details watch the video #PTA #ConsumerAwareness #StayProtected...

63,519 Aufrufe • vor 3 Monaten •via X (Twitter)

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steve

640,114 Aufrufe • vor 3 Jahren

Starbucks is the largest unregulated bank in America. They are hoarding almost $2 billion of your money. And it's completely by design. They don't just sell coffee. They've built one of the largest legal money schemes in history... Right now, Starbucks is holding $1.85 billion in gift card and app balances. Money that customers loaded but never spent. To put that in perspective: 85% of US banks have less than $1 billion in total deposits. Starbucks holds more customer cash than most actual banks. But here's the difference: Banks pay you interest to hold your money. Starbucks pays you nothing. Banks have to keep cash reserves in case you want to withdraw. Starbucks just needs to stock coffee and muffins. Banks are regulated by the federal government. Starbucks answers to no one. The CEO of South Korea's third-largest bank said it publicly: "Starbucks is an unregulated bank, not a coffee company." So how did they build this financial empire? It started with gift cards in 2001. Simple idea: load money, buy coffee later. But Starbucks noticed something interesting. People weren't redeeming all their gift cards. A $25 card might have $3.47 left on it forever. That leftover money? Pure profit. They call it "breakage." In 2024 alone, Starbucks made $207 million from money people loaded but never spent. Free money. No coffee served. But they didn't stop there. They engineered the entire system to maximize breakage. First, they made gift cards year-round items instead of just holiday gifts. Then they launched the Starbucks app. The app forces you to pre-load money before ordering. You can't just pay $6.84 for your latte. You have to load $10 minimum. Now you've got $3.16 sitting in their system. That's not a bug. That's the business model. Then they added auto-reload. Set it up once, and Starbucks automatically charges your card whenever your balance drops. Money is flowing in constantly. Most people forget it's even happening. Then they added rewards. You earn more points by paying with your Starbucks balance than with a credit card. So you're incentivized to keep money locked in their system. The trap is airtight. A consumer complaint filed in Washington State called it an "involuntary subscription." Their exact words: "This Catch-22 traps customers in a cycle that resembles an involuntary subscription." You load money to buy coffee. You have a leftover balance. You come back to use it. You load more money. The cycle never ends. Think about what Starbucks actually built: They collect billions in deposits. They pay no interest. They have no withdrawal obligations. They keep 10-13% of all deposits as pure profit. They're not regulated as a financial institution. Any bank would kill for this model. But they'd go to prison for trying it. Starbucks does it in plain sight....

Zyan

269,491 Aufrufe • vor 7 Monaten

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To My Dear Lingling, Actually, I’ve been secretly plotting this birthday letter for a long time, but I could never find the perfect way to begin. So, let me just start like this—“I want to tell you…” In my calendar, there’s a special mark labeled “Sunrise.” I’ve counted over two hundred quiet moonlit nights, saving up all my anticipation for today—and finally, on this special day, the sunrise has arrived. Thank you. You’re like the warm summer sun, gently embracing everyone you shine upon. Happy Birthday! This is the first time May 11th has ever felt so extraordinary, and all of its meaning comes from you. But if we’re talking about your journey, your story didn’t begin with you as a dazzling star—it started with the little girl who only drank mineral water to stay in top shape, who endured discomfort to avoid dirtying the host’s dress, the bright-eyed newcomer who once earnestly whispered, “I secretly wonder what the future holds.” I know that the moments I ached for you are now lost in time; but what makes me happier is seeing how many people adore you now. You’ve always been so diligent, demanding the best of yourself, striving to show your brightest side, never letting down anyone who supports you. Over and over, in the smallest details, I’ve felt how much you cherish your fans. And every time I look at you, I hope even more people will discover you—and love you deeply. Happy Birthday.🎂 linglingsirilak HAPPY GOLDEN YEAR 00K #HappyBDLinglingKwong

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