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Droo
Jun 25, 2003

Enfys posted:

Also, being cool with elderly people becoming homeless and poverty-stricken because of how they vote is weird.

It helps if you picture them all as Zuarg 30 years from now.

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Droo
Jun 25, 2003

Krispy Wafer posted:

Remember the wealthiest generation was the Greatest one so all that money went to Boomers who also got cheaper educations, wages that actually went up in real terms, and reasonable housing. Poor Boomers who never got to take advantage of those benefits deserve some pity, but there are plenty that are just pissed they didn't get what they expected.

Not only did they inherit all that money and piss it away, now they've moved on to huge and unnecessary tax cuts funded by debt which is really just sucking up money from future generations too. And the almost infinite damage from their refusal to address climate change in any way. Their entire generation is basically a black hole sucking in money and resources from everything around it.

Enfys
Feb 17, 2013

The ocean is calling and I must go

NancyPants posted:

It's sad that those people are out on the street because I believe that any developed nation should have a safety net that prevents that kind of thing.

As far as I'm concerned, every boomer can freeze to death outside. They consistently gently caress over any group they don't feel they belong to. I constantly see them bitching all over Facebook (even the loving liberal ones) that how dare someone call their social security a "benefit" or "entitlement" because GAWDAMMIT I WORKED FOR THAT MONEY since they obviously feel they deserve it more than people on food stamps or disability. This is the generation that pushed us all into college and let tuition and fees soar, then took away BK protections for student loans when private and public universities alike preyed on people just trying to keep up. These are the people that have forced minimum wage to stagnate for decades. These are also the people whose greed and loving stupidity caused the housing crash. They're the people making it harder for everyone to vote.

Yeah, millennials have their problems too, but most of them were inherited by a generation who came of age in one of the most plentiful economic environments this country has ever had, then pushed every policy that would make it so no one else could benefit, and they refuse to retire so the next generation can take over because they all hosed themselves and need to work until they die.

Ooooo I hate boomers.



Krispy Wafer posted:

It's not about being cool they're homeless. Almost all of them have Social Security as well as heavily subsidized healthcare, but none of that matters if you go into retirement paying a mortgage, couple of car notes, or a crippling addiction of some sort. A significant portion of those people who are homeless would still be homeless if they had a decent retirement because they weren't going to prepare regardless.

Remember the wealthiest generation was the Greatest one so all that money went to Boomers who also got cheaper educations, wages that actually went up in real terms, and reasonable housing. Poor Boomers who never got to take advantage of those benefits deserve some pity, but there are plenty that are just pissed they didn't get what they expected.

You're doing exactly the same thing as all the people who shake their fists about millennials and froth at the mouth about how they are destroying everything. This attitude and extreme way of thinking isn't any different just because you are the one doing the finger pointing. It's two groups of people yelling exactly the same thing at each other with just one descriptor replaced.

Orange DeviI
Nov 9, 2011

by Hand Knit
Except boomers are actually that terrible and no amount of centrist rubbish is going to change that

potatoducks
Jan 26, 2006
Do you guys all hate your grandmas or what?

Enfys
Feb 17, 2013

The ocean is calling and I must go

please knock Mom! posted:

Except boomers are actually that terrible and no amount of centrist rubbish is going to change that

What do you think whatever people born today are going to say about current generations when they have to grow up in the aftermath of years of Trump and all of today's political instability? Are you entirely to blame for the problems your kids/grandkids will face when they are your age? Are your parents and grandparents to blame for all of society's problems now?

Blaming entire groups of people for your problems is really easy and has been humanity's mode of operating basically forever, so sure, you're in good company I guess. Just don't pretend you're behaving any differently because you are totally correct, unlike everyone else in the history of mankind.

Nur_Neerg
Sep 1, 2004

The Lumbering but Unstoppable Sasquatch of the Appalachians

Enfys posted:

You're doing exactly the same thing as all the people who shake their fists about millennials and froth at the mouth about how they are destroying everything. This attitude and extreme way of thinking isn't any different just because you are the one doing the finger pointing. It's two groups of people yelling exactly the same thing at each other with just one descriptor replaced.

Yeah, no. Boomers as a generation are complete poo poo. They're the literal reason for almost everything hosed in the western world right now.

Not a Children
Oct 9, 2012

Don't need a holster if you never stop shooting.

potatoducks posted:

Do you guys all hate your grandmas or what?

No, we mostly just hate our parents

Phanatic
Mar 13, 2007

Please don't forget that I am an extremely racist idiot who also has terrible opinions about the Culture series.

Enfys posted:


Update

quote:

If anyone works in or around Easley, SC - don’t work for the Jesus-y chicken place. It’s crooked to the core.

"“Never do business with a religious son-of-a-bitch. His word ain't worth a poo poo -- not with the Good Lord telling him how to gently caress you on the deal.”

Moneyball
Jul 11, 2005

It's a problem you think we need to explain ourselves.
I mostly blame myself for the position in life I find myself in, but now that I learned it's actually my parents' fault, a weight has been lifted.

potatoducks
Jan 26, 2006

Not a Children posted:

No, we mostly just hate our parents

You're right. I don't spend my days blaming everything on the baby boomers so I don't even remember how old they're supposed to be.

VitalSigns
Sep 3, 2011

#NotAllBoomers and all that, but of course Boomers could vote to fund the social programs that they need right fuckin now, but instead...

Krispy Wafer
Jul 26, 2002

I shouted out "Free the exposed 67"
But they stood on my hair and told me I was fat

Grimey Drawer

Enfys posted:

You're doing exactly the same thing as all the people who shake their fists about millennials and froth at the mouth about how they are destroying everything. This attitude and extreme way of thinking isn't any different just because you are the one doing the finger pointing. It's two groups of people yelling exactly the same thing at each other with just one descriptor replaced.

The ones who are sick, poor, and homeless deserve our compassion. But how far should that go? They already get better Social Security and Medicare than we ever will. They own most almost all of the non-internet wealth created since WWII. At some point you have to stop borrowing from the future. They can't propose massive increases in taxes to pay for their underfunded retirement right as most of them leave the workforce. That's as big a bullshit move as you're going to find. Sometimes you have to deal with your poo poo sandwich and realize you're the bad example future generations learn from.

Millennials are saving for retirement at a pace that murders prior generations, so I guess it worked.

Droo
Jun 25, 2003

Moneyball posted:

I mostly blame myself for the position in life I find myself in, but now that I learned it's actually my parents' fault, a weight has been lifted.

I'm sorry that your life isn't going very well. But some of us are successful / don't personally hate our parents while also being able to see how terrible their generation has been.

pr0zac
Jan 18, 2004

~*lukecagefan69*~


Pillbug
I'm as big a baby boomer hater as is probably possible and I gotta say abandoning a massive group of people to die in the streets because you don't support their life choices is about the most baby boomer move out there.

Getting the impression a lot of the people in here are just as selfish as them and are just pissed off they didn't get to be the ones taking advantage of all the wealth and opportunity, because they clearly don't care about equitable care and safety for their fellow humans.

an actual dog
Nov 18, 2014

These are poor people retiring and having no savings, they're probably not republicans lol

GoGoGadgetChris
Mar 18, 2010

i powder a
granite monument
in a soundless flash

showering the grass
with molten drops of
its gold inlay

sending smoking
chips of stone
skipping into the fog
The horse thing can get annoying because yeah, obviously many people have a hobby that costs money and isn't a Side Hustle funneling cash into your pocket.

But there DOES seem to be a much higher rate of people that absolutely bankrupt themselves on the hobby in really dumb ways.

"my friend has a horse and it costs a lot of money in stable fees" -a bad post

"my friend got a payday loan and sold the car she needs for work because she wanted top quality horse semen to add a third horse to the roster" - a good post

potatoducks
Jan 26, 2006

pr0zac posted:

Getting the impression a lot of the people in here are just as selfish as them and are just pissed off they didn't get to be the ones taking advantage of all the wealth and opportunity, because they clearly don't care about equitable care and safety for their fellow humans.

Agree. And that's ok. I'm also selfish and don't care about others. But at least be honest about it.


an actual dog posted:

These are poor people retiring and having no savings, they're probably not republicans lol

Nah they're definitely still republicans. They're poor, but at least they're not black.

Not a Children
Oct 9, 2012

Don't need a holster if you never stop shooting.

Most people straight up do not learn about money, how to budget, or what it takes to survive with any standard of living in old age, and aren't forced to learn until they're at best a couple years from retirement. Is it any wonder that we have half a generation of destitute olds, independent of the fact that a good chunk of them never had the means to save for a significant retirement anyway?

John Smith
Feb 26, 2015

by LITERALLY AN ADMIN
Nah, they are just bitter that their lives didn't turn out as they had hoped.

For just about any social science (as opposed to natural science) question, there is rarely only one casual factor. To think that any generation is almost/entirely responsible for the ills of the world is just delusional.

Bootstraps, people, bootstraps. Less whining.

Droo
Jun 25, 2003

John Smith posted:

Nah, they are just bitter that their lives didn't turn out as they had hoped.

For just about any social science (as opposed to natural science) question, there is rarely only one casual factor. To think that any generation is almost/entirely responsible for the ills of the world is just delusional.

Bootstraps, people, bootstraps. Less whining.

So just for the record, for those of you saying we shouldn't blame the baby boomers and that's mean and unfair - you all agree with John Smith.

Krispy Wafer
Jul 26, 2002

I shouted out "Free the exposed 67"
But they stood on my hair and told me I was fat

Grimey Drawer

pr0zac posted:

I'm as big a baby boomer hater as is probably possible and I gotta say abandoning a massive group of people to die in the streets because you don't support their life choices is about the most baby boomer move out there.

Getting the impression a lot of the people in here are just as selfish as them and are just pissed off they didn't get to be the ones taking advantage of all the wealth and opportunity, because they clearly don't care about equitable care and safety for their fellow humans.

Boomers are the ones who complained the loudest about food stamp recipients eating lobster or talking on their Obama phones. So obviously the answer is public assistance that limits benefits to the basics and maybe feature phones with a WAP button. Don't let them starve. Of course not. But don't reward them for their choices either. And yeah, there's some bitterness and vindictiveness in that, but at the same time for the benefit of society you can't reward bad behavior.

Also my Boomer parents made fantastic choices with booze and cigarettes, so I don't have to worry about supporting them.

KingSlime
Mar 20, 2007
Wake up with the Kin-OH GOD WHAT IS THAT?!
Yet there are very concrete selfish and idiotic laws and regulations that we can point to that boomers massively support. I wouldn't blame them for every ill in the world no, but to ignore their cultural and political footprint is just burying your head in the sand.

Actions do have effects and all that

GoGoGadgetChris
Mar 18, 2010

i powder a
granite monument
in a soundless flash

showering the grass
with molten drops of
its gold inlay

sending smoking
chips of stone
skipping into the fog
"If you're mad at people for screwing you, you're just mad that you didn't get the chance to screw them first"

Nice man, you should be a defense attorney and use that sick line to own rape victims

John Smith
Feb 26, 2015

by LITERALLY AN ADMIN

Droo posted:

So just for the record, for those of you saying we shouldn't blame the baby boomers and that's mean and unfair - you all agree with John Smith.
Er... trouble with reading comprehension? Was that what I wrote? Or what you chose to read instead?

Dwight Eisenhower
Jan 24, 2006

Indeed, I think that people want peace so much that one of these days governments had better get out of the way and let them have it.

Krispy Wafer posted:

Boomers are the ones who complained the loudest about food stamp recipients eating lobster or talking on their Obama phones. So obviously the answer is public assistance that limits benefits to the basics and maybe feature phones with a WAP button. Don't let them starve. Of course not. But don't reward them for their choices either. And yeah, there's some bitterness and vindictiveness in that, but at the same time for the benefit of society you can't reward bad behavior.

Also my Boomer parents made fantastic choices with booze and cigarettes, so I don't have to worry about supporting them.

actually the welfare mania was an early nineties thing so yeah boomers were politically significant but the so-called greatest generation had significantly more economic and social clout at the time

generational adversity for Boomers was getting drafted to go fight a stupid war that had no bearing on our safety or security, a constant hysteria over threat of nuclear armageddon while growing up, and the first generation to be broadly offered unsecured consumer credit, which all adds up to lots of stupid decisions

like yeah they hosed things up, and they're still loving things up, and it's cool to be righteously angry at Boomers as a generation but remember that most Boomers are poor, economically disadvantaged schlubs too, and throwing everyone older than you off of government benefits because they didn't lockstep vote to preserve them is pretty nearly FYGM as any Boomer could get

an actual dog
Nov 18, 2014

potatoducks posted:

Nah they're definitely still republicans. They're poor, but at least they're not black.

lol this really isn't the case, they're most likely non-voters more than anything. Please save your hate for rich people not poor people, and note that democrats gently caress over these people just as much as republicans.

Dwight Eisenhower
Jan 24, 2006

Indeed, I think that people want peace so much that one of these days governments had better get out of the way and let them have it.
also if you can be convinced that an entire group of people only related by some particular accident of birth (Boomers) is fundamentally different from you and robbing you of your own opportunities for wealth and well-being you're falling for the same exact rhetorical device that Republicans use to force through reduced government programs by the looming threat of People Who Are Not White. Most Baby Boomers are just as hosed as you are economically

Moneyball
Jul 11, 2005

It's a problem you think we need to explain ourselves.
Yo this thread is gonna get bad. Please don't make it bad.

It was really great yesterday. I don't know if people were being extra BWM on reddit, but we got a lot of good contributions.

potatoducks
Jan 26, 2006
Ah you contributed. And it's been fun.

Krispy Wafer
Jul 26, 2002

I shouted out "Free the exposed 67"
But they stood on my hair and told me I was fat

Grimey Drawer

Dwight Eisenhower posted:

actually the welfare mania was an early nineties thing so yeah boomers were politically significant but the so-called greatest generation had significantly more economic and social clout at the time

generational adversity for Boomers was getting drafted to go fight a stupid war that had no bearing on our safety or security, a constant hysteria over threat of nuclear armageddon while growing up, and the first generation to be broadly offered unsecured consumer credit, which all adds up to lots of stupid decisions

like yeah they hosed things up, and they're still loving things up, and it's cool to be righteously angry at Boomers as a generation but remember that most Boomers are poor, economically disadvantaged schlubs too, and throwing everyone older than you off of government benefits because they didn't lockstep vote to preserve them is pretty nearly FYGM as any Boomer could get

I don't think Boomers get enough credit for Vietnam. Subsequent generations didn't have to deal with a draft and getting pulled away for 2 years which has both an economic and social/mental impact that hurt everyone, but marginalized groups the worst.

At the same time, we can't change retirement benefits for the biggest generation in our history right as that biggest generation is suddenly ready to retire. It would be a dick move to cut their benefits at this time, but it's a dick move to increase them significantly as well.

Will just keep it at that subject that no one ever feels a need to debate, Vietnam.

Orange DeviI
Nov 9, 2011

by Hand Knit
Vietnam was very BWM

Cacafuego
Jul 22, 2007

please knock Mom! posted:

Vietnam was very BWM

It was GWM for stockholders and employees of the military-industrial complex (note - not the military itself)

legendof
Oct 27, 2014

Considering moving all money to CD and living off a credit card

quote:

What do you think of this idea...

Taking all my money and moving it into a 12 month CD and buying everything via CC and at the end of the 12 months collect CD pay off the CC. Rinse and Repeat.

Not only will get the % off the CD but I will also get cashback % on the CC averages out to be 3-5% depending on variances

Has anyone tried this?

What problems will I run into?

Where can I deposit my checks during the 12 months to gain the most interest in it?

Even assuming OP is gonna find a series of 0%-for-a-year cards, this seems... Poorly thought through. It's a great idea to have no liquid cash, just have no emergencies, why hasn't anyone thought of that

My favorite part is in the comments:

quote:

you'd still have to make at least the minimum payment every month.

quote:

I did not know this was mandatory thank you.

Mezzanon
Sep 16, 2003

Pillbug

Not a Children posted:

No, we mostly just hate our parents

Yeah my grandma is cool, it's my parents who suck.

KYOON GRIFFEY JR
Apr 12, 2010



Runner-up, TRP Sack Race 2021/22
god that's the good poo poo thank you

GoGoGadgetChris
Mar 18, 2010

i powder a
granite monument
in a soundless flash

showering the grass
with molten drops of
its gold inlay

sending smoking
chips of stone
skipping into the fog
Don't hate your parents, just admit they suck and try to love em anyway

Hate is bad for you, dogs

Oh man lolling big time at Mandatory Credit Card Payment guy, heh

Higgy
Jul 6, 2005



Grimey Drawer
Pull up thread, pull up! It's so bad it attracted John Smith!

I cosigned for my brother's car. He stopped making payments on it

quote:

Long story short, I helped him buy a used car 4 years ago on a 56m loan for $7700 @ $163/m payments. He made the payments on time religiously for 4 years and 4 months 47 months (+2 i just paid), i went and counted the payments via Credit Karma


and it came out to 47 months not 4 years and 4 months.

Then we had a falling out 2 months ago over nothing, but he refuses to talk to me and decided to say gently caress it and stopped making the payments on the loan. He doesn't answer his phone when I call or text and after he moved out of my house he never gave me his updated address so I have no idea where he lives.

So naturally the bank calls me letting me know it's 2 months over due. I paid it up to date on the spot. There is $1600 left on the loan which I'm going to pay off fairly quickly should he still continue to not answer my communication attempts to reach him over this.

He was 2 months behind on the loan and I asked if this would be reported as 2 months late on my credit report and they said yes it would have one hit of 30-60 days late.

Is there anyway I can get that reduced or am I screwed on that? I would've paid the drat loan payments on time had I known he would just stop paying on it.

Kind of feel likes it's a bit unfair that I'm getting hit with a late payment alert on my credit report when they didn't even try and contact me until yesterday about it.

Any advice?

BEHOLD: MY CAPE
Jan 11, 2004

Higgy posted:

Pull up thread, pull up! It's so bad it attracted John Smith!

I cosigned for my brother's car. He stopped making payments on it

A loan cosigner making 47 payments on a co-signed car loan is the actually the best outcome of that's ever been observed in the history of co-signed car loans

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BonerGhost
Mar 9, 2007

Higgy posted:

Pull up thread, pull up! It's so bad it attracted John Smith!

I cosigned for my brother's car. He stopped making payments on it

Which do you think would be better, if he is or isn't on the title and registration?

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