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BUG JUG posted:He's not all alone. There are at least three ghosts coming to visit him tonight. It's gonna be GHWB, the 8 year old girl he killed with a drone strike, and Gritty.
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Dec 24, 2018 20:30
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LingcodKilla posted:I’m sorry how much in debt is the average household? credit cards arent the problem
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Dec 24, 2018 20:30
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Come on 2019, I'm not gonna lie down and die that easy. You're gonna have to make me ride this country into the dirt.
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Dec 24, 2018 20:33
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Everybody's favorite Senator With A Perm Who Gets In Slapfights With His Neighbor done lost his mind on the Twitter: https://twitter.com/RandPaul/status/1076928042616918017 That's the first of like 10-12 Festivus Tweets he made in that thread.
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Dec 24, 2018 20:34
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LingcodKilla posted:Buying items on credit you don’t need to survive is dumb. There are a bunch of reasons why this isn't true. Edit: Many which were immediately brought up. 
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Dec 24, 2018 20:36
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hobbesmaster posted:That’s literally what NICS is for right? I for one can't wait to be added to the no-fly list because Mastercard thinks no honest man needs 500 rounds of .22lr! Meanwhile the military can't be bothered to file the paperwork to make sure their wife beating psychopaths can't pass a background check. Nobody is gonna buy 30 guns and go shoot up a school while carrying them all around like an overloaded RPG character. You only need one to carry out a mass shooting. Just more poo poo that doesn't actually do anything to save lives. If you want to actually have a meaningful effect then make sure domestic abusers can't get access to firearms and more heavily regulate pistols.
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Dec 24, 2018 20:37
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most gun deaths are because of handguns but mass shooters are the only gun violence that has a chance of happening to rich white people because good high schools aren't immune to it
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Dec 24, 2018 20:39
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my kinda ape posted:I for one can't wait to be added to the no-fly list because Mastercard thinks no honest man needs 500 rounds of .22lr! The Vegas shooter being a way-out-there outlier.
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Dec 24, 2018 20:40
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my kinda ape posted:I for one can't wait to be added to the no-fly list because Mastercard thinks no honest man needs 500 rounds of .22lr! Why not both.
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Dec 24, 2018 20:50
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LingcodKilla posted:I’m sorry how much in debt is the average household? Well we can't all marry rich but for the rest of us there's extended warranties on credit cards. Tiny Timbs fucked around with this message at 20:52 on Dec 24, 2018 |
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Dec 24, 2018 20:50
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https://twitter.com/kevinspacey/status/1077263549326651392?s=21 I’m not sure what the hell I just watched, but he also got charged with felony sexual assault today
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Dec 24, 2018 21:11
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Retardog posted:https://twitter.com/kevinspacey/status/1077263549326651392?s=21 That's too weird for me to even try watching.
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Dec 24, 2018 21:24
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Fallom posted:Well we can't all marry rich but for the rest of us there's extended warranties on credit cards. Buying guns/toys on credit and not paying them off immediately is bad.
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Dec 24, 2018 21:31
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Hexyflexy posted:That's too weird for me to even try watching. I on the other hand couldn't turn away and watched the whole thing. It may be the weirdest thing I've seen this year and I think we can agree that means a lot.
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Dec 24, 2018 21:32
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spacey is starting to look his age lol
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Dec 24, 2018 21:37
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LingcodKilla posted:Buying guns/toys on credit and not paying them off immediately is bad. Yeah paying the cards off every month is the key. I think some people think buying on credit means carrying a balance for the next 6 months, which doesn't have to be the case. You get all the advantages of buying with credit even if you pay off your balance immediately.
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Dec 24, 2018 21:42
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I rarely use my credit card because my parents enstilled a fear of debt into me which has yet to leave my brain. I had to put a decent chunk of change down on it and it's taken me almost 2 months to get it paid off. It's literally the biggest thing these days that kept me up at night. I hate debt in any shape or form even know I completely understand that it's completely normal to have certain debts such as a mortagage, car, school..
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Dec 24, 2018 22:05
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Nice and hot piss posted:I rarely use my credit card because my parents enstilled a fear of debt into me which has yet to leave my brain. I had to put a decent chunk of change down on it and it's taken me almost 2 months to get it paid off. My parents were the same way. I think it's because boomers and Gen Xers were the materialist generation who subsidized their love of stuff with massive amounts of debt in the form of credit cards and home equity lines of credit. So they simultaneously preached the evils of too much debt while continuing to take on more. Now they ask me how I can afford to go on all of these vacations and somehow think I'm massively in debt when I tell them it's through credit card points. The reality is I just use my credit cards for normal expenses and pay them off each month. I think there was one charge that I decided to carry for a few months due to some other expenses and I wound up paying a whopping $17 of interest on it. psydude fucked around with this message at 22:14 on Dec 24, 2018 |
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Dec 24, 2018 22:11
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Fallom posted:Yeah paying the cards off every month is the key. I think some people think buying on credit means carrying a balance for the next 6 months, which doesn't have to be the case. You get all the advantages of buying with credit even if you pay off your balance immediately. Yeah this is what I do. I basically stand by the "live off of last months income" practice, and it's honestly one of the best pieces of finacial advice ever passed down to me. That and Max out your employers 401K match.
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Dec 24, 2018 22:14
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My dad always had the dad joke at the ready when he was asked "cash or card", and he'd say "put it on the credit card, I'll pay for it next month, hurr hurr hurr". And the fucker did, every single month. So now I do like him, every cent I spend goes onto the card, pay it off when the statement turns up. Got more points than jesus right now. You can't be scared of using a credit card, just like you can't be scared of having cash in your wallet.
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Dec 24, 2018 22:15
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I use my CC for 99% of my purchases but have only failed to pay my entire balance each month like once in 10 yrs. I get like 5% back on grocery purchases and a few percent on a bunch of other stuff so it works well.
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Dec 24, 2018 22:17
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not caring here posted:My dad always had the dad joke at the ready when he was asked "cash or card", and he'd say "put it on the credit card, I'll pay for it next month, hurr hurr hurr". You grew up in Australia though, right? Australia does charge those annoying service fees in credit cards.
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Dec 24, 2018 22:17
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Developed a horrible new theory of government while gorging myself on cookies: America policy, foreign and domestic, is right now a Markov chain indexed from Fox News. Secluded in his chambers with few to no advisers, most of the President's actions over the last week have basically just been whatever is on TV, filtered through him, put out via Tweet. That gets filtered through Fox News, he reacts to it, and the cycle begins again. I mean, this isn't exactly a revelation, but it's almost the textbook definition of a Markov chain: a stochastic probability based only on the immediate previous input.
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Dec 24, 2018 22:22
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Red Crown posted:I mean, this isn't exactly a revelation, but it's almost the textbook definition of a Markov chain: a stochastic probability based only on the immediate previous input. You've missed that this is a reasonable theory of the mind in general, which pretty much explains all our problems.
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Dec 24, 2018 22:25
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Red Crown posted:Developed a horrible new theory of government while gorging myself on cookies: America policy, foreign and domestic, is right now a Markov chain indexed from Fox News. Would be interesting to try to manipulate the conservative Twittersphere to see if you can also manipulate talking points on Fox and Friends, and therefore influence policy. He who controls the Fox and Friends, controls the world.
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Dec 24, 2018 22:30
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psydude posted:Would be interesting to try to manipulate the conservative Twittersphere to see if you can also manipulate talking points on Fox and Friends, and therefore influence policy. He who controls the Fox and Friends, controls the world. Start a conspiracy theory that Big Mac special sauce is linked to male pattern baldness.
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Dec 24, 2018 22:39
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BigDave posted:Start a conspiracy theory that Big Mac special sauce is linked to male pattern baldness.
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Dec 24, 2018 22:41
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psydude posted:You grew up in Australia though, right? Australia does charge those annoying service fees in credit cards. That was real common in the US until not too long ago. You still see commercials advertising no annual fee.
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Dec 24, 2018 23:14
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Yeah it might still be a thing there, but it was never a thing if you were a good enough customer (ie, had enough money).
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Dec 24, 2018 23:21
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Worth mentioning that if you're lol still in, American Express platinum card is free (they refund the annual fee) and has a ton of nice freebies like airport lounge access and $15 Uber credit every month.
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Dec 24, 2018 23:41
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Wingnut Ninja posted:Worth mentioning that if you're lol still in, American Express platinum card is free (they refund the annual fee) and has a ton of nice freebies like airport lounge access and $15 Uber credit every month. Well poo poo.
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Dec 24, 2018 23:56
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It appears that the President of the United States is spending his Christmas Eve bullshitting about where he is, what he's doing, and the federal contracts he's making up out of thin air. https://twitter.com/GarrettHaake/status/1077330232569409536?s=19
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Dec 24, 2018 23:58
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Godholio posted:That was real common in the US until not too long ago. You still see commercials advertising no annual fee. No, I mean Australian businesses can charge a fee on each credit card transaction over the MSRP of the product or service. I think it's something like 1.8%. Annual fees are still very much a thing for premium cards like the Chase Sapphire and AMEX Platinum. You typically earn most of it back immediately from the airline credits though. psydude fucked around with this message at 00:01 on Dec 25, 2018 |
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Dec 24, 2018 23:59
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psydude posted:No, I mean Australian businesses can charge a fee on each credit card transaction over the MSRP of the product or service. I think it's something like 1.8%. Ah ok. I think it's typically just absorbed (or factored into prices) by businesses in the US, because the card companies do charge the processing fee. Although a lot of gas stations do have a card price and a (lower) cash price. Wingnut Ninja posted:Worth mentioning that if you're lol still in, American Express platinum card is free (they refund the annual fee) and has a ton of nice freebies like airport lounge access and $15 Uber credit every month. Does this apply to reserves as well? I will milk the hell out of this as long as possible.
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Dec 25, 2018 00:04
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I bet hes playing SimCity in his underwear.
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Dec 25, 2018 00:04
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What is Spacey trying to accomplish with that video? The show and his career are over.
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Dec 25, 2018 00:17
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Wingnut Ninja posted:Worth mentioning that if you're lol still in, American Express platinum card is free (they refund the annual fee) and has a ton of nice freebies like airport lounge access and $15 Uber credit every month. $200 in airline fee credits and lounge access, too. I get $35 in free steak at DIA every time I travel for work. Godholio posted:
Probably. It’s not AmEx being nice, it’s part of complying with the SCRA.
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Dec 25, 2018 00:39
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BigDave posted:NYTimes: Credit cards enable mass shooters, banks need to flag large gun purchases. Lol if you think you’d stay off the radar if you’re doing this as an Arab
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Dec 25, 2018 00:42
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My parents are very anti-debt and actually followed through on it. I built up some CC debt while finishing college, felt like poo poo, and didn't tell them. It's all paid off now and I'm never doing that again.
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Dec 25, 2018 00:57
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psydude posted:No, I mean Australian businesses can charge a fee on each credit card transaction over the MSRP of the product or service. I think it's something like 1.8%. Ohhhh, you're talking about passing on the merchant fee. That used to be a common thing many years ago but kind of disappeared, but when a lot of budget basement chain stores started turning up it came back again. For every day poo poo I don't remember it being too much of a problem. There was some talk of a law bring passed that if you were paying sticker price then the merchant fee couldnt be passed on but if you were paying below that they could, or something like that, but I never heard what happened to it.
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Dec 25, 2018 01:02
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