https://twitter.com/Martposting/status/1784272782521450797

!incels

@pizzashill, you are welcome. @Poj, please forgive him. You guys are like my adoptive rDrama parents, I can't handle another divorce.

Edit: Computer, enhance:

@D do you feel like an r-slur yet?

Edit 2: For you illiterate r-slurs, pizza makes around 210k a year

How many of you wagies are pulling that?

Source

https://old.reddit.com/r/fantasyromance/comments/1ce2lw3/reading_what_lies_beyond_the_veil_and_this_bugs_me/?sort=controversial

Since the advent of modern financial markets, bonds have always had the reputation of being conservative. The saying has been “Bonds would never make you rich.”

However, they would provide you with a moderate, steady, and dependable income.

This reputation was challenged in the 1970s and 1980s by treasuries yielding more than 10% in the wake of high inflation and the explosive growth in the high-yield market. In the decades that followed, yields drifted down in parallel with inflation, but investor excitement was maintained by a steady stream of capital gains (with the proliferation of ABS and MBS) as well as income.

However, once monetary easing hit its peak in the days following the Great Financial Crisis, high-quality bond yields fell to levels that promised very little income and at best modest capital gains, and it took a long time for yields to eventually recover to their historical averages. However, in the aftermath of the pandemic, massive government borrowing, inflation, and Fed tightening have all contributed to rising bond yields. But since over the past year, despite a winding down of pandemic effects, very steady economic growth, declining inflation, and a pulse in Fed tightening, bond volatility has persisted, with yields seeing sharp swings in both directions.

Indeed, since the Fed last raised rates on July 26th of last year, the 10-year Treasury yield has ranged from a low of 3.79% to a high of 4.98%. Statistically, this represents well above average volatility, and it raises some important questions for portfolio optimization (how to practically hedge). So it raises the question why bond volatility has risen, where it might go from here, and how investors should adapt to a world of more volatile bonds.

First, take a look at some key economic data and events for the week ahead. The most important economic numbers will be contained in Thursday's GDP report (keep an eye out for that). Business fixed investment, inventories and trade are all likely to detract from growth. However, the broad story appears to be one very modest deceleration from the 3.1% GDP growth seen over the course of last year to a 2.2-2.4%, while still running a little above the Federal Reserve's 1.8% longer-run estimate of the potential growth of the US economy.

Overall, it is expected these numbers to point to continued moderate economic expansion. Turning to the earnings season, with 14% of S&P 500 market cap reporting so far, the profit picture appears mixed, showing 70% of firms beating analysts' expectations in EPS, but only 46% beating on revenues. However, first quarter of corporate performance should be much clearer by the end of this week, since 158 of the S&P 500 companies are set to report over the next five days. Meta, ThermoFischer, IBM, AT&T and Boeing are set to release theirs today. Microsoft, Google, T-Mobile, Merck, Intel and Comcast set for tomorrow and Exxon, Chevron and Abbvie due on Friday. (Find your portfolio holdings date here https://www.nasdaq.com/market-activity/earnings , can't list them all 😴😴😴)

Investors will also be very interested in the translation of earlier CPI data for March into the Fed's preferred consumption deflation measures due out on Friday. Markets in general are pricing in that both the headline and core consumption deflation measures rose by 0.3% month to month in March, with year-over-year gains rising by 0.1% to 2.6% at the headline level and falling by 0.1% to 2.7% at the core level, that core inflation pressures are still easing, but at a glacially slow pace.

Just as financial commentators routinely say that we live in uncertain times, Michael Burry routinely says another recession is coming and Disney often claims the next Marvel movie is the best one yet, markets often claim that market volatility is unusually high. However, when it comes to the US bond market today, this is actually true. Looking at the Bloomberg aggregate bond index from January 2002 to June 2022, the average monthly return was 0.3%, with the standard deviation measured over a 24-month lag of 0.9%. That is to say, roughly two-thirds of the time, the monthly return was within a range of 0.6% to plus 1.2%. However, from July 2022 to March 2024, the standard deviation of monthly returns has actually fricking been 2.0%. A crazy amount for a piece of paper which basically does nothing but guarantee a coupon and a maturity payout.

In examining the causes of this volatility, it's easiest to start with what isn't causing it.

First, it's not due to increased volatility in economic growth. Over the past two years, the macroeconomic outlook has, if anything, become steadier. The unemployment rate has now been in a narrow band between 3.4% and 4.0% (literally all of rdrama.net) for 28 straight months, while real GDP growth appears to have settled into a steady, if somewhat strong, path.

Nor is it due to increased volatility in financial markets in general. This can be seen by the fact that equity market volatility has not risen nearly as much. Between January 2002 and June 2022, the standard deviation of bond market returns measured over a 24-month lag was just 27% of that of the equity market, as measured by the S&P 500 total return index. From July 2022 to March 2024, that ratio has been 37%.

Finally, and most interestingly, it's not due to greater volatility in inflation expectations.”

Measured on a monthly frequency, this expectation has stayed in a narrow band between 2.18% and 2.41% since September 2022. In fact, the standard deviation of inflation expectations measured in this manner has been almost 20% lower since July 2022 than in the prior 17.5 years. Think about it, not since the Invasion of Iraq and the global oil supply shitshow, has inflation expectations been so low.

When you look at more recently at data, CPI's are not doing much anymore. They have kind of bottomed. You being r-slurred, can argue that goods disinflation, which had been very powerful was the main driver of this disinflation trend. Well, no. That is over. Goods disinflation is arguably behind us now. And in some segments, you are seeing goods prices starting to rise again. The monthly core CPI was boosted by rents. Motor vehicle insurance was another driver, surging 2.6%. That was the largest rise since July 2020 and followed a 0.9% gain in February. There were also increases in the prices of apparel and personal care. But prices for used cars and trucks, recreation and new vehicles fell. Make of that data what you will. If you can match that to your portfolio company's earnings and cash out on expiring options, congratulations, you have just made your money like the big boy bucks in The Street.

But obviously, energy is still a question mark. And with what's going on in the Middle East and the most recent moves in rice, cocoa, oil, one can wonder to what extent there might be some pickup in energy inflation and consequently commodity inflation. And finally, and most importantly, obviously, services inflation is very resilient.

This is especially problematic in the US. US isn't China where you can just manufacture bullshit. Everyone knows that services inflation is very sensitive to the job market, to the resilience of the economy, to wages. And on this front, obviously, the job market across both sides of the Atlantic is very strong.

So, you know that the economists at the BLS and Fed think we have reached kind of a plateau.

But then, what is causing higher volatility in bonds, you ask incredulously?

First, Occam's Gillette. That this may be due in part to the huge volume of government debt that needs to be financed today. 20 years ago, treasury debt in the hands of the public was $4.2 trillion or 36% of GDP. Ten years ago, it was $12.6 trillion or 74% of GDP. By the end of last month, it was $27.5 trillion or 99% of GDP. It's quite possible that this extraordinary level of debt is straining global capital markets in a way that just wasn't the case 10 or 20 years ago, leading to more volatility.

This effect may be further amplified by quantitative tightening, which is having the effect of transferring treasury ownership from price insensitive buyers such as the Federal Reserve to much more price sensitive private sector actors. Moreover, this effect could be further increased by the general decline in dealer balance sheets in response to regulation, even as the overall size of the global bond market has increased. Second, higher short-term rates may be contributing to higher bond volatility.

With a normal upward-sloping yield curve, it's easy to assign investors to one of two well-defined camps. Those willing to accept some risk and return for better yields and potential capital gains would invest in long-term bonds, while those willing to sacrifice return for safety would stay at the short end of the curve. However, with overnight rates well above 5% and long rates significantly lower, many long-term investors may be tempted to tactically switch in and out of the short end of the market, adding volatility to bonds. Basically instead of hedging equities with bonds and credit with rates, they are speculating with your pension funds and having fun. (Let them have fun, bigot 🤬🤬!!).

Finally, and most hilariously, today's volatile bond market may reflect hypersensitivity of the Fed. Prior to the most recent inflation surge, Fed officials appeared to be relatively unfazed by small overshoots and undershoots on inflation. However, today we appear to be in an era of zero inflation tolerance on the part of the Fed. Consequently, a very slight overshoot in the March CPI numbers induced an immediate and violent reaction to the bond market, as futures markets almost overnight went from pricing in three full rate cuts in 2024 to barely pricing in two. Even if the inflation environment is relatively steady, any sharp change in expected Fed policy could add to bond market volatility.

Think about it for a second. We have reached metamarkets now. The market's expectations of inflation are tempered but since the Fed's inflation expectations haven't, so the markets are literally pricing in a quasi inflation derivative, ie the expectation of the fed's expectation of the inflation. This is your portfolio manager, Chris Nolan, and he's here to give you a lesson on markets called Inception. 😴😴😴

Then that brings us to the next question, that if, let's say, the Fed waits, is there a risk that given how strong the US economy has been, that there is a chance that inflation might actually slowly creep up instead of going down as it has done, let's say, last year? This is really the key risk here. And when you look back to, for instance, the 1970s, this is really what happened. (Already covered in previous effortpost).

But maybe the truth is, most likely, we have a very different situation. Most likely, the cyclical part of inflation is probably gone now. It has all but disappeared. And in many ways, the western countries are now left with the structural part of this inflation. Structural part, which is clearly the consequence of very long term factors on the economy, demographics, deglobalization, international wars etc. I am not a Political Economist, so I'll just say vote for Biden. Or for Trump. Or just have fun.❤️❤️❤️

Clearly, there's no evidence that Washington is going to reign in fiscal deficits or the regulators will act aggressively to deepen liquidity in treasury markets. While many still expect the Federal Reserve to cut rates later this year (pipe dreams), yield curve inversion could persist for a further year or more.

Nor is there any sign that an inflation-scarred Federal Reserve is going to moderate their reaction to inflation news going forward.

In this supermeta scenario, bond market volatility is here to stay at least for a while, and as a pesky investor you may want to consider if your bond allocations are appropriate for the overall balance of their portfolios. In other words, fricking sell your current bonds and load up on the next offerings because I don't see rate cuts soon.

Sauce:

https://www.bea.gov

https://www.bls.gov/news.release/ppi.nr0.htm

https://www.bls.gov/news.release/cpi.nr0.htm

https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_bill_rates&field_tdr_date_value=2024

https://www.federalreserve.gov/monetarypolicy/files/BeigeBook_20240417.pdf

And finally,

Your mum's shrieks when I was doing her

!r-slurs !math

@Proud_Mossad_Asset please effortpost sir before it's too old

There was no way we could fit the whole map of gta3 in PS2 memory. Streaming involves loading models from the DVD as the player moves around. This was the hardest technical challenge during the development of gta3 and was coded by Adam Fowler.

The closer models physically are on… pic.twitter.com/EWBb5tyygn

— Obbe Vermeij (@ObbeVermeij) April 25, 2024

For twitterphobes

I thought that was pretty neat. Also a Burnout 3 dev showed up ( )

deep breath

Spoilers for a 20 year old TV series & TW for special interest 'tism...

The creator/showrunner/lead writer of Gilmore Girls was Amy Sherman-Palladino (ASP), and she's the main person responsible for the unique cozy vibe and fast-paced, reference-heavy dialogue of the original series. She's also something of a crazy control freak who had a very particular predefined arc in mind for the show, one that would highlight the parallels between Rory and her mother and grandmother, Emily (the 3rd Gilmore Girl). For years fans heard about the mysterious "final 4 words" that she already knew would end the series. She's like the opposite of the GoT showrunners who had no idea how the frick they were going to wrap up the ending.

ASP may be a stubborn b-word but she's a good writer with strong hat game

Except... ASP was forced out after the penultimate sixth season of the original run in a contract dispute with the network, the details of which have always been hazy. Toward the end of the sixth season, ASP added a bunch of zany plots (e.g. Lorelai throwing herself at Rory's deadbeat dad, Christopher) that almost seemed like a vindictive attempt to sabotage the show on her way out the door. The new show runners dumped into the thick of it for the seventh season did their best to tie up all the bizarre loose ends, and in doing so they moved away from the predestined fatalism of ASP's original arc - the theme of which could be loosely summed up as "no matter how you try to run away from it, you always grow up to be your mother."

Spoiled douchbag boyfriend, meet spoiled douchebag dad

For example, ASP always had in mind that Rory's rich, spoiled boyfriend, Logan, would be "her Christopher," a dissolute playboy who toys with her heart, knocks her up, and ultimately abandons her - but during the final season without ASP, the writers moved away from that storyline: Logan becomes estranged from his wealthy family, he has to stand on his own two feet, he exhibits personal growth. By the end of the series, he's ready to commit; he doesn't abandon Rory, he wants to marry her, but she decides she's not ready to settle down so young. The original series ends with Rory Gilmore, a promising young journ*list heading off to Iowa to cover the long-shot presidential campaign of a promising young Senator named Barack Obama.

The seventh season is divisive among fans for a few reasons (the hasty resolution of many of ASP's S6 landmine plots, the dialogue feels kind of off, some new characters are sloppily introduced late in the game) but I think most people enjoyed seeing Logan grow up a bit and the way his relationship with Rory matured. Most people liked the ending, and thought it was fitting to have Rory choose herself and her career over a man. There's a little bit of added millennial nostalgia/wish-fulfillment and serendipity to see Rory climbing onto the Obama campaign bus when we know he's going to win that race. As viewers, we figure Rory is off to a great start with a bright future ahead of her covering a landmark campaign up close.

Go get 'em, Ace!

Then, eight years later, Netflix gave ASP an assload of money to make A Year in the Life and she used it to take a giant shit all over Season Seven. She basically returned to Stars Hollow with the intent to settle old scores and give Gilmore Girls the ending that she knew it had to have: even if it didn't make a darn lick of sense almost a decade later. She has claimed that she has never watched S7, that she doesn't even really consider it canon. She said she had an assistant watch it and take notes for her. In AYITL, she kept one baby born in S7, and threw out almost everything else, determined to tell her version of what season 7 should have been.

Netflix: Buying your childhood to wear as a four-piece skinsuit

Lorelai and Luke (her main love interest/will-they-won't-they) act like newlyweds wrestling with the decision about whether to have kids, even though they've been married for the better part of a decade and Lorelai is pushing 50. Rory is broke, directionless and struggling like a new college grad, not like a woman in her 30s with access to a multimillion dollar trust fund. Logan is instantly back to being a useless frickboi: engaged to a beautiful woman we never see, but carrying on an affair with Rory.

The only good storyline in AYITL centers on Emily coming to terms with the loss of her husband, Richard (Rory's grandfather) and that story was forced on ASP by the real-life death of the actor Edward Herrmann. She had to actually write a new, age-appropriate story for Emily instead of dusting off whatever she wanted to do for S7, and it's so much better for it.

Poor Ed's brain cancer is the real MVP of AYITL

There's a bunch of other minor shit that sucks in AYITL: fat-shaming that feels very early-2000s and out of step with modern culture, lazily retconning certain characters to be gay for added diversity, an unfunny retread of the "Ann? Her?" gag from Arrested Development. But the main reason A Year In The Life is terrible is that ASP was too stubborn to incorporate any of the stories that other writers had given to her characters, so instead of a thoughtful extrapolation of how these characters might have lived and grown or changed over almost ten years, she did S7: ASP's Version. It's 2016, not 2007, but no one has changed at all or learned anything in the meantime.

A Year in the Life ends with the famous "final four words" that ASP had always preordained, even if they no longer make any goddarn sense from a narrative perspective:

"Mom?"

"Yeah?"

"I'm pregnant."

Barely 32 years old and having a bastard with this dude!

Thank you for coming to my TED talk, as a reward for your patience, enjoy this spot-on Mad TV parody:

Outside of the sub echochambers, the normal consensus appears to be that the show vastly failed to capture any of the magic or uniqueness of the books.

"I don't agree with this person about this particular show, but there isn't anything inherently wrong with being easily entertained. What a weird choice of insult."

WRONG WROOOOOOOOOOOOOOOOOOOOOOOOOOOOONG!!!

Respecting people who has the objective bad opinion about media is allowing Foids to ruin your stuff and hobbies!!!!!!!!!!!11111

Cucksoy tries to support his opinion with RIGHT-think reviews!

So, tomorrow will see @HumzaYousaf stepping down and @neilcgray being the SNP choice to replace him. You heard it here first!

— Murdo Fraser (@murdo_fraser) April 25, 2024

!britbongs

Or maybe not

/r/Scotland seem to have completely turned on the SNP at this point

https://old.reddit.com/r/Scotland/comments/1cdf3yi/humza_yousaf_is_not_considering_his_position/?sort=controversial

For context the National is the paper for Scottish independence fanatics

He probably won't have much of a choice in the matter though

https://old.reddit.com/r/Scotland/comments/1ccpvcm/scottish_tories_to_lodge_noconfidence_vote_in/?sort=controversial

Humza just essentially kicked the Greens out of Scottish government too so I'm sure they'll all be super keen to keep him in power

https://old.reddit.com/r/Scotland/comments/1ccvlxz/yousafs_fate_hangs_on_single_msp_as_greens_will/?sort=controversial

The MSP who he's relying on left the party due to their policies too

https://twitter.com/WestminsterPup/status/1783802919915048963

lol

Update: he's now grovelling to the Greens to try and get them back on side

https://old.reddit.com/r/Spiderman/comments/14nkz9o/peter_parker_was_trans/?sort=controversial

https://www.thepinknews.com/2024/03/29/spider-man-across-the-spider-verse-gwen-stacy-trans/

https://www.quora.com/Is-there-any-evidence-that-Spider-Man-Peter-Parker-is-bisexual

This is all false.

Any decent groomercord servers on the occult for someone who balances between RHP and LHP and doesn't really take a path without all the larping and roleplaying that is actually kind of serious about it, but not too serious about it where they have like 30-40 rules and everything needs to go in the correct channel and you need to toe the line and you can't talk.

There's way too much ego on these servers.

even if I had ONE family member who wasn't an andhbhakt sanghi, my life would've been so much better and less isolated. Even siblings closer to age are so blinded that it's not even funny anymore, alienation and hopelessness at home - nothing else

— epcita touched the grass (@leftitcita) April 26, 2024

The CHVD genes will overpower the feminine lib genes in your progeny

Just genuinely insane femcels lol

A growing number of individuals and groups on the right are turning their back on conservatism without giving up the label. They have abandoned the three-legged stool of fiscal conservatism, traditional values, and a foreign policy approach of peace through strength. Instead,… pic.twitter.com/Ddv6i7vKxG

— Erick Erickson (@EWErickson) April 23, 2024

https://twitter.com/EWErickson/status/1782847806090146234

A growing number of individuals and groups on the right are turning their back on conservatism without giving up the label. They have abandoned the three-legged stool of fiscal conservatism, traditional values, and a foreign policy approach of peace through strength. Instead, they want to harness the power of the federal government to punish the left and implement their preferred policy agenda. They give no credence to the guiding principles of limited government and instead are happy to use big government in order to win. I wrote about this in National Review here:

"Holy zoinks! I can't believe conservatives no longer believe in free markets and small government! When did this happen????"

https://twitter.com/russian_cosmist/status/1783536916421386515

You're a fat r-slur and addicted to losing.

https://twitter.com/Sargon_of_Akkad/status/1783545212851151323

Crushing the left and adopting a positive traditional framework of rules and norms is good, actually.

Why the frick is Sargon of Asskad talking like a soy redditor? "Ummmm being based is good, actually, sweaty."

https://twitter.com/everymanreport/status/1783082047679987980

Please keep in mind your approach failed to conserve the women's bathroom.

https://twitter.com/TheWorthyHouse/status/1783536829632811100

You make me want to puke. For thirty years I've listened to this kind of cretinous garbage. STFU.

https://twitter.com/DougSides/status/1782893688101711972

Unfortunately you are not a conservative…

its so OVER for conservativecels

https://twitter.com/TrevorsCrucifix/status/1783516425480454472

Conservativism is dead. It failed to conserve. We are nationalists now. We Will build the future with the best of the past and it's traditions. Christ is King!

GET READY CUCKS. WE ARE GONNA BUILD THE FUTURE BEHIND OUR COMPUTERS. CHRIST IS KING!!!!

https://twitter.com/Cernovich/status/1783535650861715585

This fat pig is beyond parody. He claims that if Republicans use power, then watch out! Democrats will retaliate. Hello? Where has this guy been for the last 10 years? Other than camping out at the all you can eat Chinese Buffett.

"Yes I'm a lispy male feminist lolcow....but at least im not a.....CUCKSERVATIVE!!!"

!nonchuds

It feels like we have a rightoid struggle session every other week. We last had one over a calendar not being based and conservativepilled.

https://rdrama.net/post/232787/some-rightoid-grift-company-released-the

Ted, 62, Austin TX

Career/Personal

• Retail Manager

  • $21 an hour, at least 40 hours a week

  • time and a half overtime

  • Around $3000 a month

  • No benefits, he's on his wife's

• Wife makes around $3500 a month

• "retail management is not my endgame"

• Spent 14 years working for Texas "Commission on State Emergency Communications"

  • Got a Master's degree because of this?

• Went to Art school at some point

• Went through a bankruptcy 6 years ago

  • All of this debt has accrued since bankrupcy

• Wife has probably the same number of credit cards timestamp

• He has $17'000 saved for retirement

Financials

• "Why is there so little invested?" timestamp

  • Boomer ramblings and deflection

• Self-scored - 5/10 timestamp

• 150k or so left on his mortgage

• Credit Card 1 (CreditOne) ($811) timestamp

  • $20 in new purchases, $20 in interest

  • Paid $75 on this

  • Minimum payment 30

  • Why Spend on his card?

    • "Our expenses are higher than our income"

• Credit Card 2 (Apple) (2115) timestamp

  • Minimum payment 67

  • $41 in interest accrued

  • Puts his life insurance payments on his card?

• Credit Card 3 (Discover) ($4196) timestamp

  • $69.50 in new purchases

  • Made a $100 payment, also made $100 purchase?

  • Minimum payment $84

  • $57 in interest

  • Lots of mobile games micro-transactions on this card (company called "Zynga")

    • "I was able to quit smoking, and drinking, but I can't quit this"

• Credit Card 4 (eBay) ($1'487) timestamp

  • Made a $75 payment

  • Minimum payment of $30

• Credit Card 5 (Lowes) ($535) timestamp

  • Made $50 in payments

  • $12 in interest accrued

  • $30 minimum

• Credit Card 6 (JC Penny) ($1'591) timestamp

  • Made 75 in payments

  • $40 in interest charged

  • $57 minimum payment

• Credit Card 7 (Venmo) ($753) timestamp

  • $30 minimum payment

  • $102 in new purchases, made $30 in payments

  • $15 in interest

  • Eating out and microtransactions on this card

• Credit Card 8 (Walgreens) ($441) timestamp

  • "I think that's the one that started it all, they had this display when you walk into the store"

  • $29 minimum payment

  • $12 in interest

• Credit Card 9 (Verizon) ($1'290) timestamp

  • He wanted to take advantage of the discount on the phone bill using the card to pay for it

  • $48 Minimum payment

  • $34 interest accrued

  • Made a $100 payment

• Credit Card 10 (Upgrade) ($1'272) timestamp

  • $72 minimum monthly payment

• Credit Card 11 (Upgrade) ($9'260) timestamp

  • Thinks he has two Upgrades because traveling?

  • $126 interest accrued

  • $474 minimum monthly payment

  • "Uhhh I I uh I run a non-profit"

  • "Some of these now that I think about it might have been expenses"

  • "Performing Arts Venue" - He's the president (doesn't get paid)

• Credit Card 12 (Sitco) ($378) timestamp

  • $29 minimum payment

  • $10 in interest

• Credit Card 13 (Chevron) ($128) timestamp

  • $29 minimum payment

  • $71 in purchases

  • 50 in payments

  • $2 in interest accrued

  • More mobile payments on this one

  • Playing "Empires and Puzzles" and a couple others

• Credit Card 14 (Ally) ($228) timestamp

  • $28 balance

• Credit Card 15 (Amazon) ($580) timestamp

  • $29 minimum payment

  • $14 interest

  • $50 payment made

• Credit Card 16 (At Home) ($45) timestamp

  • "Why wouldn't you just pay off $45?!"

• Credit Card 17 (Alta) ($0) timestamp

• Synchrony ($656) timestamp

  • $30 minimum payment

  • Made a $50 payment

  • Made $12 in purchases

    • It was Starbucks

  • $14 in interest accrued

• Credit Card 18 (didn't catch name) ($28) timestamp

  • 28 minimum payment

  • 70 cents in interest

• Credit Card 19 (NFL) ($1'474) timestamp

  • $39 in interest charged

  • Made $43 in purchases

  • $54 minimum payment

  • More in-app purchases

• Credit Card 20 (MGM) ($242) timestamp

  • "We went to Vegas"

  • $5 interest accrued

• Student Loans ($229'000) timestamp

  • he's in forbearance, doesn't know why, Caleb can't figure out why

  • 7.6% interest, 17'000 a year in interest if they ever start back up

  • "Yeah, I'll never pay that off"

    • "You're right"

  • "That servicing company is under investigation or something, it's in the news"

  • "Well it doesn't matter much I'll be dead before that's paid off... so I don't even consider that a debt"

• Mortgage ($122'205)

  • 3.8%

  • $1'268 monthly payment

• Synchrony Bank is where most of his cards are from timestamp

  • 

• Car

  • Doesn't have one, wife has a car, not paid for, newish because of a car accident that wrecked their old one

  • Used to have two

  • Both worked at home but he got laid off then when to retail

• Checking Account timestamp

  • 3'240 + 8'111 - 10'094 -> 1'259

  • Lots of eating out

  • A $100 Verizon payment here, not using the Verizon card since it's maxed out ]

  • More microtransactions

  • "That's how I pay my daughter, we give her money to help her live" timestamp

    • She's finishing up her undergrad

    • Boomer gets testy when question about this

• Wife debts itemized timestamp

  • Not even going to try writing these out, 28 different ones

$906 in interest is accruing a month (not counting Student Loans)

Should he consider bankruptcy? timestamp

• Total $379'000 ($122k of that is the mortgage), includes the student loans

Income/Spending Pie Chart timestamp

An American dad faces 12 years in prison for having a tiny bit of hunting ammo in his carry on bag in Turks and Caicos.

He could miss his son growing up over this.

Do not visit there until he’s sent home. Let @TCIPremier know what you think about this! pic.twitter.com/ssOjS5sOPE

— Robby Starbuck (@robbystarbuck) April 24, 2024

https://twitter.com/robbystarbuck/status/1783131128922087840

Bruh it's just spare bullets, he didn't know it was illegal!

https://twitter.com/robbystarbuck/status/1783146493731295429

Y'all

https://twitter.com/robbystarbuck/status/1783145423978242252

https://twitter.com/shakoistsLog/status/1783271257628438555

Remember Brittney?

https://twitter.com/smalls2672/status/1783146569136496837

!male feminists theme song

That malaysian strag banned me from his animal hole . I was wondering if this hole is a safe space for cuteand valid transwomen ?