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22 Eargesplitten posted:JFC that sounds like a lovely church. I would still be going to church if it wasn’t for the “be presentable at 9AM on a Sunday” thing. I was only going because my parents expected me to. Once I was 19 I finally stopped, and when my dad confronted me his words were "then I guess you aren't going to be living here anymore." That was a BWM choice, but thankfully my mom was much more level-headed and was able to talk my dad out of kicking me out. WWJD, right?
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# ? Nov 28, 2017 21:26 |
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# ? Jun 5, 2024 08:25 |
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Dying Woman Sorry She Won’t Get To See 37-Year-Old Son Grow Up
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# ? Nov 28, 2017 22:09 |
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My roommate in college had this mountain of laundry. He didn't know (or care to learn) how to do laundry. So he would bum rides off people to Target or Wal-Mart to buy packs of undershirts and boxers. One day his aunt came to visit and spent the entire weekend doing laundry. Saved him from making further wal-mart trips. He could be this man.
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# ? Nov 29, 2017 00:41 |
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Pseudo-science - Check Marketing wonder liquid - Check Facebook Fitness Business - Check Another australian trying to scam people - Check https://www.metro.us/body-and-mind/health/olivia-budgen-instagram-cancer https://www.reddit.com/r/insanepeoplefacebook/comments/7g4acp/cancer_is_good_for_you/ quote:The focus needs to be on the garbage disposal system of the body; the lymphatic system. Detoxification is the key to alkalising and cleansing the tissues and fluids. Your cells will then strengthen and regenerate, and excess waste matter will eventually be eliminated. This heals the root cause of disease and brings the body back into balance.
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# ? Nov 29, 2017 00:48 |
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Suspicious Lump posted:Pseudo-science - Check I love how that's a jargon soup of bad hippy remedies. Alkalising lymphatic detoxification balance. Also hmmm ... guess it's time to start marketing cancer cell line injections.
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# ? Nov 29, 2017 01:58 |
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Ashcans posted:There are estimates that 39% of Americans have literally no savings, and that an additional 35% have less than $1000. Hard to reconcile this with Black Friday's big sales, $1000.00 Apple X purchases, restaurants being crowded often, people with 3 kids and only average household income driving nice cars, etc. Other than debt, of course.
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# ? Nov 29, 2017 02:10 |
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https://www.reddit.com/r/personalfinance/comments/7fwq5v/we_have_two_years_to_dig_ourselves_out_of_the/?st=jakdzr3j&sh=4cf9db29quote:My Wife is in the military and her pay/benefits have served us well. We fell into the credit card trap early and made some silly decisions regarding cars, and now we're flailing. My Wife has decided when her enlistment is up (September 2019), she'd like to transfer to reserves. We'll still be getting a small paycheck from the military, and of course she will find work once she's off Active Duty, but I want to be as stable as possible to account for any lag between leaving active duty and starting a new job in the civilian world. Our budget is as follows: Pay close attention to the bolded parts, folks. Because the very first, very reasonable comment was to suggest that he get rid of the $569/month van. His reply? quote:As for the cars, the $569 is for the family van which comes in handy on trips we frequently take to visit family and such. It's not that we would mind giving it back, but (and I don't know what the fee would be) we don't have a lot of extra cash to pay any sort of fee, and then we'd be forced to finance another vehicle. With the trips we take, it's nice to have something new an reliable that we're not sinking money into for repairs. Oh, well, if you take trips in the van very often, maybe it's justifi-- quote:Two big trips a month for groceries, usually costing around $150 each, plus several random trips throughout the month for when we run out of essentials. The water is every other month so I probably should have listed ~$90. As far as gas goes, my Wife and I work fairly close to home and most of the places we frequently go. As far as our trips go, we usually take around 2 trips per year (either to Florida, Syracuse, or New Orleans) so I don't typically include those in our general budget. Never mind. **Edited because I fail at bolding. April fucked around with this message at 02:58 on Nov 29, 2017 |
# ? Nov 29, 2017 02:55 |
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I mean, even if we assume this is the very first month of their lease, at the end of it they'll have spent at minimum $20K+ to lease a loving minivan. You could buy a pretty decent used one outright for that price and still have enough left for several trips to exciting Syracuse.
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# ? Nov 29, 2017 03:07 |
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Depending on the lease, it may be practically impossible to break it without paying a staggering termination fee, if they let you out at all. There was a NYTimes article and a person literally going blind couldn't get out of her lease. It was pretty ironclad.
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# ? Nov 29, 2017 04:13 |
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Mokelumne Trekka posted:Hard to reconcile this with Black Friday's big sales, $1000.00 Apple X purchases, restaurants being crowded often, people with 3 kids and only average household income driving nice cars, etc. Other than debt, of course. People often choose their financial predicaments, so of course there's money for big trucks and eating out and breeding to your hearts content. We're just really bad at planning, so poo poo starts to go sideways the moment more than one thing goes wrong. But until then everything is a-okay and fairly sustainable. This thread is a lot of doom and gloom, but I think we've only seen one verifiable death/suicide from a horrible money problem. Like in 2008, most people could have weathered a housing crash or a lost job, but not both at the same time. Even then families managed to survive it because when poo poo gets really bad we generally stop buying all those candles.
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# ? Nov 29, 2017 05:01 |
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https://www.reddit.com/r/investing/comments/7g8it2/advice_to_a_college_student_who_lost_2500_on_one/Advice to a college student who lost $2500 on one stock today posted:Hey guys, DPW is down to $1.38 lol
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# ? Nov 29, 2017 05:12 |
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So a college student invested 5k, expecting to double their money overnight bitcoin style.
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# ? Nov 29, 2017 06:55 |
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OctaviusBeaver posted:https://www.reddit.com/r/investing/comments/7g8it2/advice_to_a_college_student_who_lost_2500_on_one/ Here's a friendly tip for the new investor - try looking at a company's stock chart before Yes, give this man your money. Give this man all of your money.
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# ? Nov 29, 2017 07:22 |
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Suspicious Lump posted:Pseudo-science - Check Always wanted to make a parody of this type of thing, showing my fat, hairy self soullessly staring into the camera as above, while I post about how my personal brand of snake oil hasn't helped me in the slightest, and how I hold the reader in open contempt, yet you idiots should buy it for $200.00 a bottle because of toxins or some poo poo. Couldn't pull it off because I'm not a) a woman or b) blonde.
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# ? Nov 29, 2017 07:48 |
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Liquid Communism posted:So a college student invested 5k, expecting to double their money overnight bitcoin style. Sports gambling should be legal and accept pell grants.
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# ? Nov 29, 2017 12:24 |
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GamingHyena posted:And the guy who runs this company that seems to be 90% corporate buzzwords looks like this? What does a successful CEO look like?
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# ? Nov 29, 2017 13:08 |
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https://www.reddit.com/r/personalfinance/comments/7fvqh7/40_single_laid_off_after_20yr_no_savings_no/quote:I hate to share a sob story, but that's what I've got and I need to pick brains for ideas I may be missing. How does a guy work for 20 years with an ending salary of that much get so hosed? quote:I took the risk of helping a friend to the tune of $200k over the last two years. Oh. Photex fucked around with this message at 13:25 on Nov 29, 2017 |
# ? Nov 29, 2017 13:23 |
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Subjunctive posted:What does a successful CEO look like?
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# ? Nov 29, 2017 13:23 |
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Photex posted:https://www.reddit.com/r/personalfinance/comments/7fvqh7/40_single_laid_off_after_20yr_no_savings_no/ That’s some kind of friend, goddamn. (Russian bride who never materialized?)
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# ? Nov 29, 2017 13:37 |
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Yea, I'm assuming this friend is incapable of paying this guy back. My guess is he invested $200k in his friend's business and it immediately went belly up. Jesus, I could never imagine giving anyone essentially all of my savings for anything.
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# ? Nov 29, 2017 14:06 |
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Subjunctive posted:What does a successful CEO look like? Well usually they just shave their head if they're going bald and maybe work out a little bit (corporate gym and trainer and all that) and maybe some nice sunglasses and... Oh hey. Also would have accepted looking freakishly young for being elderly Larry Ellison.
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# ? Nov 29, 2017 14:35 |
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Subjunctive posted:What does a successful CEO look like? Well now I'm curious and I think you have an answer.
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# ? Nov 29, 2017 14:39 |
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Mokelumne Trekka posted:Hard to reconcile this with Black Friday's big sales, $1000.00 Apple X purchases, restaurants being crowded often, people with 3 kids and only average household income driving nice cars, etc. Other than debt, of course. And the media/cultural zeitgeist that ignores and hides poverty as much as possible. Like 10% of people buy a new iPhone in any given year based on Apple sales numbers. For sure that is a ton of phones but the average person is not lining up outside of the Apple store for a preordered $1000 phone.
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# ? Nov 29, 2017 15:05 |
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Krispy Wafer posted:Well usually they just shave their head if they're going bald and maybe work out a little bit (corporate gym and trainer and all that) and maybe some nice sunglasses and... That's some uncanny valley poo poo.
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# ? Nov 29, 2017 15:18 |
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I don't think its hard to reconcile at all, quite the opposite: people spend money on things they are encouraged to buy like newer/bigger cars, upgraded devices, etc, instead of carefully squirreling away every spare dime. We do very little to convince people to plan and save their money compared to how much we encourage them to spend it all as quickly as possible. Many people don't receive any basic financial education in their schools, these classes are also largely absent from university. You essentially rely on parents to impart the knowledge, which is very hit and miss. Some parents have bad skills themselves, and others feel like its inappropriate to share financial information with their kids. Ads for cars, devices, and restaurants are everywhere, but when was the last time you saw an ad that said 'Hey, you know what, you should think about appraising your disposable spending and making sure you are building a 3-month emergency fund just in case something goes wrong!' The closest you get are ads for banks and insurance policies. In addition, being poor literally makes it harder to make good decisions - not just in the sense that you can't afford the optimal choices, either. Being poor is a constant state of anxiety and problem solving, which depresses the ability of people to make good choices. Simply put, if you are constantly worrying about paying your next rent check or getting enough food, you have less capacity to handle decision making, particularly longer-term that isn't as pressing. The same people literally perform worse on tests when worried about money, and if you are poor you are worried all the time. People who are struggling make financially poor choices like smoke, drink, or eat out because these are easy ways to receive a short burst of enjoyment and happiness and is very appealing when your anxiety is high and your horizon is short. You have a couple beers in the evening because you worked hard and you're wound up and really just want to relax a little so you can get some sleep for work tomorrow, and that is a much more pressing and fulfilling concept than the potential financial benefit of giving up alcohol for the next 10 years and investing that money in a retirement fund.
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# ? Nov 29, 2017 15:40 |
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Ashcans posted:I don't think its hard to reconcile at all, quite the opposite: people spend money on things they are encouraged to buy like newer/bigger cars, upgraded devices, etc, instead of carefully squirreling away every spare dime. We do very little to convince people to plan and save their money compared to how much we encourage them to spend it all as quickly as possible. Many people don't receive any basic financial education in their schools, these classes are also largely absent from university. You essentially rely on parents to impart the knowledge, which is very hit and miss. Some parents have bad skills themselves, and others feel like its inappropriate to share financial information with their kids. Ads for cars, devices, and restaurants are everywhere, but when was the last time you saw an ad that said 'Hey, you know what, you should think about appraising your disposable spending and making sure you are building a 3-month emergency fund just in case something goes wrong!' The closest you get are ads for banks and insurance policies. There's some interesting research into how cultures in hardier less hospitable climates were more successful because they had to plan. People in warmer climates with longer growing seasons and less frostbite did worse because they didn't have to worry about storing all those root vegetables and salted pork for the winter. This carried over to other types of preparation. Puritans were not fun, but they got poo poo done. Poor people often don't plan. Either because they choose not to or because outside variables are so unpredictable to make planning impossible. But in most cases, poor or lower class people who do follow plans do better.
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# ? Nov 29, 2017 16:06 |
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Ashcans posted:I don't think its hard to reconcile at all, quite the opposite: people spend money on things they are encouraged to buy like newer/bigger cars, upgraded devices, etc, instead of carefully squirreling away every spare dime. We do very little to convince people to plan and save their money compared to how much we encourage them to spend it all as quickly as possible. Many people don't receive any basic financial education in their schools, these classes are also largely absent from university. You essentially rely on parents to impart the knowledge, which is very hit and miss. Some parents have bad skills themselves, and others feel like its inappropriate to share financial information with their kids. Ads for cars, devices, and restaurants are everywhere, but when was the last time you saw an ad that said 'Hey, you know what, you should think about appraising your disposable spending and making sure you are building a 3-month emergency fund just in case something goes wrong!' The closest you get are ads for banks and insurance policies. I call your post bullshit. Poor people can do with a bit of hard work. Bitching rarely gets you anywhere.
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# ? Nov 29, 2017 16:09 |
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John Smith posted:My parents are poor and uneducated second-generation Asian immigrants. I am rich and educated. Don't succumb to autoerotic asphyxiation with those bootstraps of yours
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# ? Nov 29, 2017 16:24 |
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John Smith posted:My parents are poor and uneducated second-generation Asian immigrants. I am rich and educated. Oops I was going to make a joke comparing you to John Smith but
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# ? Nov 29, 2017 16:29 |
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God damnit we were doing so well.
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# ? Nov 29, 2017 16:33 |
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Mokelumne Trekka posted:Hard to reconcile this with Black Friday's big sales, $1000.00 Apple X purchases, restaurants being crowded often, people with 3 kids and only average household income driving nice cars, etc. Other than debt, of course. hey man it's kind of taboo in this thread to suggest that maybe poor people should also watch their spending, because you see they had a bit/a lot of bad luck in their life so they are automatically relieved of personal responsibility in all aspects of their life
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# ? Nov 29, 2017 16:42 |
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Photex posted:https://www.reddit.com/r/personalfinance/comments/7fvqh7/40_single_laid_off_after_20yr_no_savings_no/ To make ends meet he's trying to get his sibling / sibling's significant other to move in and split costs (good) and wants to give them equity in his house (BAD!)
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# ? Nov 29, 2017 16:44 |
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Zo posted:hey man it's kind of taboo in this thread to suggest that maybe poor people should also watch their spending, because you see they had a bit/a lot of bad luck in their life so they are automatically relieved of personal responsibility in all aspects of their life I think it's still OK to make fun of the poor white men. And possibly the fat ones because people are still fat because they are lazy, not because they have crippling social anxiety or whatever.
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# ? Nov 29, 2017 16:46 |
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Zo posted:hey man it's kind of taboo in this thread to suggest that maybe poor people should also watch their spending, because you see they had a bit/a lot of bad luck in their life so they are automatically relieved of personal responsibility in all aspects of their life right, because acknowledging the struggle is real is the same thing as absolving one of personal responsibility I'm gonna guess you also have a fresh story about how just yesterday you saw one of those people buy lobster and steak with food stamps
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# ? Nov 29, 2017 16:46 |
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# ? Nov 29, 2017 16:49 |
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I just want to say I said poor people don't plan also because of outside variables beyond their control which covers institutional racism and other factors that conspire to keep people subservient to the boot heel of capitalism. Because I think this thread is about to go to a bad place.
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# ? Nov 29, 2017 16:50 |
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Would you look at the beak on that bird! Pretty.
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# ? Nov 29, 2017 17:45 |
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therobit posted:Would you look at the beak on that bird! Pretty.
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# ? Nov 29, 2017 17:52 |
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Hoodwinker posted:That's exactly what I thought! Do you know what kind of toucan it is?
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# ? Nov 29, 2017 17:54 |
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# ? Jun 5, 2024 08:25 |
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therobit posted:Do you know what kind of toucan it is?
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# ? Nov 29, 2017 18:03 |