Yesterday a libcuck journo today a janny allah bless

Full thread https://old.reddit.com/r/oddlyterrifying/comments/12dq7jg/this_ad_from_1996_was_prophetic/

Naturally this is capitalism's fault

Raising prices and lowering wages is what boards and stockholders mean when they talk about innovation.

Shit, at my local diner a burger is $14, add $2 if you want lettuce tomato and onion, and fries are another $6. I'll take a $16 burger and fries any day.

A few people call out the r-slurred ad

Or they did the math, using historical inflation

I mean 12.5k is vastly indulgent for a vacation, and a basic car isn't 65k.

So... they calculated inflation?

Where does a basic car cost $65.000, and a vacation $12.500?

The rest is just various levels of poorcel cope and why it is society's fault they suck at life.

Dog owner being beaten after his dog attacked another dog pic.twitter.com/IAduZeYPGY

— Detect Fights 💕 (@detectfights) April 5, 2023

honestly frick pitbulls and poors

Fantastic episode today. Guy's incredibly arrogant, typical journ*list. He believes he's famous? He keeps bringing up his degree in Information Systems and spergs a little (timestamp) when fatty says nobody cares. Comments are fire. Schizophrenia? He reminds me of a few I've encountered.

Chads show themselves in the comments

Everything I have written may or may not be right and might be completely exaggerated, don't trust me. I can't even spell right most of the time.

Response to a basic financial plan

'I don't care enough to stop eating taquitos'

Pure undiluted seethe the near the end

• The taquitos are a massive sticking point. Same with being called a baby

Vein goes bulgy

41 years old

Lives in Austin

"What do you do for a living?"

"Too many things"

"Okay, go on"

"I don't even know really, I'm just like hustling every day basically because I have been blacklisted from most jobs [laughing] because [laughing] I have a...[laughing] criminal background"

"woah what did you do?"

"I told Governor Abbot on Twitter that I would eat his heart and... umm.... that like solicited a big reaction"

"Misdemeanor B, terroristic threat," did this in 2018

Background:

• Moving in two months to Dallas Fort Worth area

  • Lots of connections there and way cheaper

    • Former client is the mayor of Arlington?

  • Doesn't have a place lined up yet

Jobs:

• At least a 6 year resume gap?

• 'I've applied for every job in this city'

  • Wattaburger

    • Said no to being a cashier because he was interviewing for a PTA director job

  • Gets chewed out about picking and choosing jobs instead of actually going for things

  • 'I can only take so much rejection'

    • Takes being called a baby very seriously

• CV:

  • Owned Avertizing agency

    • Got assaulted and apartment burned down? Didn't have renters insurance. wtf? Something's weird here.

    • 11 years ago

  • Journ*list

    • Paid $15 an article that would take full day to write

    • Also helped the site with advertising and made a 10% cut of that?

• Was not employed when he made that tweet?

• Former Journ*list, polemicist, and policy analyst. Wrote for 'thenewcivilrightsmovement.com'

  • Stopped in 2016 because he had a mental breakdown when trump was elected

    

• When rejected from job they either say:

  • 'I'm overqualified'

    • 'I'm overqualified for most things'

  • Some are because of his background check

• As things go on he reveals his true colors:

  • 'I think that's what people are afraid of. That if I go into a job they're afraid I'm going to be their boss right off the bat because I might be because that's my attitude and I'm smart and I can boss people. I have a degree in information systems. I've been a journ*list, I've been a policy analyst, an avertising agency, I've built apps'

Why won't you accept the jobs you feel are beneath you?

Because something better is going to come along and I just know it

Savings:

• Savings? Gone.

  • Owned an advertising agency for eight years?

  • Peaked at $10'000

• Nothing in retirement IRAs etc

• Parents paying his rent

  • Mother is 63, Dad is seventy-something

  • Hasn't spoken to his sister in years

• Income:

  • 'Random research papers,' 'strategy briefs,'

• Started month with $67 in his account

• Ended month with $800

Expenses:

• Rent: 1500

• Lotto.com 'I'm gonna hit it big, make millions'

  • 'I've spent like $30' (he's spent more)

• Pays for OnlyFans, and Bari Weiss's substack among many other subscription

• Buys Taquitoes from 7-11 daily, hundreds of dollars flushed away on that and other useless shit

Short Term Loans:

• 'They send you a check in the mail'

• 30% loans to 100% apr

• $3000 in them

• Wanted to find a musicisian to develop an album with him

  • Something about Open Mics?

• Monthly payments are ~100

• 'It will be paid off soon I think'

• Most recent one was early March this year

Debts:

• Car

• $9000 on it

• 14% interest rate

• $70 a month minimum payment

• Credit Card

• Capital One

  • $700

  • 18%

Estados Unidos, un lugar. pic.twitter.com/2qGt1UDOhR

— Wall Street Wolverine (@wallstwolverine) April 3, 2023

It's mexico twitter tho so i don't know whats actually happening.

The salad in question

[beetroot.png]

I would die for this bpd vegan tho

[oppost.png]

27 years old

Was going to kill himself but lost his bullet

'Do you still have the gun?'

'Yes.'

'Do you think it's appropriate to still have that gun?'

'Yes.'

Sales rep - sells shit to convenience stores

Lives in Las Vegas

A G*MER and a WEEB

• Steam, Roblox, and Crunchyroll show up on the bills

"Never worried about paying pills"

"In n Out otherwise known as 'the worst burger ever'" - Caleb

Income -

• Pre-tax: 120'000

  • 8k a month post tax

• Was a manager at a gas station before this

• Lot of working expenses?

• "Two bank accounts 1 for all bills, 1 for personal spending account/work expenses, sub account for rent in a savings account?

  • High Yield Savings account for the money he's putting asside for taxes, paying yearly, not quarterly

• No Emergency Fund (all goes to his debts, apparently)

Expenses -

• Truckload of convenience store purchases

• Massive numbers of Doordash

• Card 'compromised,' someone bought a bunch of McDonalds and OnlyFans

• Was $1500 rent now $2000 rent

Loans

• Valley - $2755 loan, started at 6 grand

  • 226 minimum payment, 41.63 interest

  • Had 4 credit cards, consolidated them in 2021

  • Between 18 and 22 when he went full r-slur with them?

• Discover - Paid off every month

  • $44 in interest on this card

• Motorcycle and Car Debt

  • Car - $172 monthly

  • Motorcycle - $3935 remaining

    • $314.97 monthly minimum

    • Not sure about the length, 'probably the longest it could be' 48 - 72 months he thinks

    • Carmaxx auto financing

    • 18.99%

    • $11'890 principal?

    • May 2022

• $18'639 debt total, 11% of his salary is his minimum monthly

Investments

• Put $1000 into Robinhood to play around with, lost it

• Made some superbowl bets (lost them too, sounds like)

Caleb puts together a plan to get him out of debt by the end of the year

• This guy seems like he can make it.

This one's really really weird. Something feels incredibly off about his situation or at least the way he talks about it. Please post your opinions because I'm at a loss.

Personal Details -

• 33 y/o Virginian

• Lynchberg

• Job - "Large Tech Company" "Manages Account Managers"

• Father was a Pastor

• Eight siblings growing up, spends a little too much trying to give his kids opportunities that he didn't?

  • issues when trying to save that isn't directly for a thing he wants to buy

• Married for 10 years

  • Caleb suggests couples therapy per usual

Job Status - (He's getting laid off)

• $33k equity every year vests every 3 year?

• 115k 10% bonus half performance half company performance

• 7.5% last year

• "Company is doing well" holding margins and growing a little

• 1.1 billion a quarter revenue? There since 2018

  • Net 200 million

• Company is laying off 8% of workforce

  • Rolling layoffs

  • Found out March 1st that he's getting laid off, but begging him to stay until May 1st

  • Volunteered to be laid off if they were laying off someone at his level?

    • Asked Jesus if he should volunteer to be laid off or not and I guess Jesus said yes?

      • Also he wasn't doing much there? And had gotten complacent? He said this later

    • Cousin says he'll pay 120k at a director level role in a different company

    • Given 3 months Admin Leave

    • Cousin's company decided he was not qualified so this is all down the drain

      • Will be going to get a real estate license instead

    • Other cousin has offered him a real estate job (he is going to try this)

      • plans on bailing if he can't sell something within 3 months

  • They are working on some sort of important legacy system migration but still getting cut?

  • Wife's 'cap' is 40k

  • Severance -

    • ~30k including the Admin leave thing?

    • 35k 2 weeks for every tear there

    • 10k retention bonus for staying

Expenses -

• Donations

  • $800 a month to his church

  • $170 a month to missions

• 6k per year for two kids in private school

  • Hybrid school, home schools 2 days a week

• No mortgage

  • Bought a house for 265'000, sold it for 575'000

  • Some weird stuff with the grandfather giving him money or something? I lost track of the plot

• Lots of going out to eat, the wife takes the kids very frequently instead of cooking them food? Timestamp

  • Weird stories from the wife's childhood something is very very wrong here. Timestamp for anyone willing to help me parse this. I feel like I'm missing something.

• Fast food expenses are appearing on the recurring bills credit card. Timestamp

• Recurring payments for whole organic milk for "allergies" - This turns into "store bought milk is not as good for you"

  • Timestamp

• Budget - income is equal to expenditure

Savings -

• 20'000 savings

  • 10k cash in bank

  • 10k in Bitcoin

  • Only has that 10k cash in the bank because he watched the videos

• Wife and him have 3k in checking account (4%):

• He has 5500 in Etrade (3%)

• Had 36'000 emergency

  • All spent?

  • Can't name where he spent them

  • treated as a slush fund

Debt -

• 401k loan

  • Needed 10k, had 15k on him but needed more

  • For a legal situation 5k retainer, 10k refundable in a year?

  • Portfolio Value $39'000 (including the loan)

• Has gone through cycles of consumer debt in the past?

Credit -

• Credit decimated by a Coles credit card with a balance he forgot about for 6 months

Caleb seethes about some book called "Rich Dad Poor Dad" for a minute or two Timestamp

"I don't know where my money's going"

It is a thoroughly engrained social custom that is over 150 years old. 95%-99% of my guest tip 18%-25%. I've only been stiffed by goofy teenagers, low-life scoundrels and entitled Europeans. In the US tipping culture allows people without college degrees to live a middle class lifestyle. The actual workers prefer tipping culture.

I actually know this is a lie because my in-laws have been waiters and told me before 2020 a 20% tip was incredibly rare… but it’s hard to find an honest waiter nowadays

Listening to this in the background and taking notes when something seems interesting so any and all of this could be completely wrong

Fiance has a small student loan and a small credit card loan (that she knows of)

Fiance blew his Achilles, only just getting back into work, job at specialty hospital bed company, I assume for

$5000 to $6000 saved prior to all this

• 36 years old

• Works in some sort of victims of violent crimes advocacy thing

• Take home is a little less than 5000 month

• laid off twice last year

  • got into issues with credit cards

  • laid off in a tech sales position, then a position at a real estate tech company

    • Founders of the latter helped her find her new position

• "Not in a great place" "I thought I could rely on the credit cards and I wasn't making lifestyle changes"

  • Working part-time at Target/Costco?

• Breadwinner in her household?

• Delayed wedding because of the money issue, lost deposits on a few things "only a few hundred dollars"

"What does he think about your financial situation"

"I don't think he knows"

....

"I pay all the bills"

"He knows about a few credit cards, not that they're maxed out"

"I don't want him to have to change his lifestyle if I can't keep up with it"

• based gender equality

General Financials -

• Start of Month - $671

• End of month - $304

• Paid for "Experion credit report" $20 recurring

• "Credit Fresh" $150 - "A lot of credit that I need to pay off"

• Labeled one of her credit cards "savings"

• No savings, no emergency fund

Debts -

• Maxed out Capital One Card 1 ($876.15)

  • $32 minimum payment

  • $21.70 interest

• Capital One Card 2 ($543.87)

  • 13.64 interest

  • minimum $30

  • "My dog god sick so I kind went crazy and applied for a bunch of stuff and just kept it?"

  • Was not working full time at the time

• Credit One Card 1 ($573.87)

  • Not maxed out

  • $30 minimum payment

  • 13.64 interest

• Credit One Card 2 ($908.15)

  • Maxed out $32 minimum payment

  • $10.04 interest

  • Still purchasing on it

• Credit One Card 3 (908.15)

  • Minimum monthly $32

  • $20.70 interest

  • 28% interest?

• Aspire ($378.41)

  • Minimum Payment 35.47

  • $10.47 interest

• "Verv"(?) ($1267.37)

  • Minimum payment $51

  • $30.58 interest

  • Not sure I heard that name right

  • Still purchasing on this card despite having been watching to the guy's videos for at least a month

• Prosper Maxed out ($1463.31)

  • Minimum payment $48

  • $33.68 interest charged

  • Made purchases on this one too

  • 32% interest?

• Petal ($1959.54)

  • $40 under the limit

  • $59.30 minimum payment

  • $40.11 interest

• Apple Card (???)

  • Repeatedly declined

  • interest charged was muffled, I think I heard "hundred" in there

  • minimum monthly is $85

• Credit Card (44??)

  • ???

• Personal Loan ($2'100)

  • Estimated 20% interest

  • minimum $150 payment every two weeks

• Car - $18'535

  • Buick Encore 2016 - 9'000 on it when purchased

  • $576.15 monthly payment

  • $201.93 interest (20% interest)

  • Bought at beginning of Covid, somehow this is the refinanced.

  • Five year loan

$1308 TOTAL MINIMUM

$450 A MONTH LOST IN INTEREST

35% OF HER TAKE HOME PAY

YAY ITS HAPPENING :D :D :D

Grad student at UT studying Urban Planning, graduating in May, believes urban planners make 60k-80k after graduating. (He says he'll be around 65k)

• 2 solid minutes trying to figure out what he's actually making

• "Do you have a sugar daddy?"

  • "I basically got scammed last month..."

  • He fell for one of those "send me money and I'll double it" scams with a sob story attached? It's a little vague

• Eats out 3x a day, despite Student Loans, spending a colossal amount

• Bought a condo last year and financed a fridge

  • City smart housing program ?

  • $106k pricetag

  • Income restricted so you can't make more than a certain threshold

  • 400 sq ft studio

  • City says it can't appreciate more than 2.5% each year

• Around $30000 in student loans? I didn't actually add them all up

  • All Federal loans

Caught this before it got jannied:

Hi all,

I'm hoping to get some advice regarding my mortgage situation. Three years ago, my mortgage broker structured my loan in a way that would allow me to avoid paying mortgage insurance. The loan is split into an 80% primary mortgage with a balance of $465k and a 3% interest rate, and a 20% secondary HELOC with a balance of $180k and an 8% interest rate.

In hindsight that was a dumb way to structure the mortgage, and I can’t change it, so I don’t want to dwell on it.

I put 15% down when I bought the house.

Unfortunately, the recent interest rate hikes by the Fed are killing me. My monthly HELOC payment has increased from $500/month to $1200/month with no end in sight. I used the entire HELOC to buy my house, so I'm really feeling the squeeze.

I'm reaching out for advice because I don't know what to do. I know that cashing out my IRA to pay off a large portion of the HELOC is an option, but I'm hesitant to do so because it will significantly impact my retirement potential. I do have other investments and a 401k, but the IRA in question has the potential to increase fivefold by the time I retire.

I also understand that calling my primary mortgage lender to ask them to absorb the secondary HELOC at the primary interest rate is likely not an option.

So, I'm at a loss. I don't want to sell my home and move, but I also can't continue to bleed money like this. If anyone has any advice or suggestions, I would greatly appreciate it.

I don’t know what to do.

Thank you in advance.

Probably bought a ~780k home. OP missed the part of the strategy where you pay down the HELOC before getting completely fricked by it. He's getting downmarseyd in all the comments since he's being a little catty about it. Other info:

$200k supporting 4 people (SAHM, college student, two teenagers). My wife’s basic full time job is shuttling kids around, dealing with school, insurance, schedules, etc.

$1000 / month in car payments

I can manage it’s just tighter than I’d like.

Also, he took his family to Hawaii two weeks ago.

Other post https://old.reddit.com/r/cars/comments/11vjh70/subprime_car_loan_delinquencies_are_surging_above/

Low-income households are falling behind on car bills

Consumers with low credit scores are falling behind on their auto loans at a record rate.

Why it matters: The upsurge shows that despite the strength of the job market, cash-strapped American households are under pressure from two years of cost-of-living increases and the end of pandemic-related benefits.

State of play: The share of payments on so-called "subprime" auto loans that were at least 60 days late rose to more than 6% in December. Subprime loans have high interest rates and are typically made to people with low credit scores.

• Delinquent payments — basically unpaid monthly bills — are the first step toward default and the car being repossessed.

• The December delinquency rate is a record, eking past prior peaks just before the pandemic, according to data from S&P Global.

The big picture: The uptick reflects a steady weakening of the finances of poorer American households.

• For one, the cost of living has surged — just look at the Consumer Price Index, which has jumped more than 14% over the last two years.

• Meanwhile, key COVID-era federal aid to households, like the Child Tax Credit and expanded unemployment benefits, are in the rearview mirror.

• Savings levels have slumped.

• And Americans are increasingly pulling out the plastic — credit card usage is rising, even as interest rates on these borrowings hits record highs.

Zoom in: Used vehicle prices skyrocketed during the pandemic. That drove up borrowing activity sharply, especially among people with low credit scores who predominantly buy used cars, rather than new ones, an analysis by the Consumer Financial Protection Bureau (CFPB) found.

• Now, those higher borrowing costs are getting tougher to manage.

Worth noting: The subprime sectors of both mortgage and auto finance tend to have a higher incidence of practices perceived as predatory. That’s when lenders offer customers expensive or fee-laden loans that they know the customers may not be able to repay.

• Case in point: Just last month the CFPB and the New York Attorney General sued one of the largest subprime auto lenders, Credit Acceptance Corp (CAC).

• The complaint accuses CAC of making "predatory loans to millions of financially vulnerable consumers," by charging "exorbitant" interest rates and socking on expensive add-on products — resulting in "debts that even CAC believes the borrowers often cannot afford to repay." (The company says the suit is without merit.)

What to watch: Whether these cost pressures begin to spread to a larger share of Americans, pushing delinquencies up even further.

I could listen all day lmao

I mean I made more than that in 2005 with my summer job at the zoo lmaooo

400 dollars a week to regularly lift 100 pounds. Could be worth it if you steal everything you can.

You can afford a home in the metroplex. You just think yοu're better than what you can afford.

Title. This is for every post Ι read that says they can't find a home but when you ask they are looking in a 4 neighborhood area in Plano and have 40k in the bank. You could easily afford Garland. You could find a house in East Dallas or Mesquite. You could make a new build in Oak Cliff on an empty lot. Plenty of options that aren't pay 400k for a 150k when new house in McKinney. There are condos and apartments that sell south of 100k near public transit here in North Dallas or near Balch Springs and Mesquite if you want. Ι don't get it. Ι bought my house where Ι could afford. Ι just set what my budget was on Zillow lifted any boundaries and didn't look at what Ι couldn't have. Why isn't that how more people shop? Just pick one you can have.

He's right, of course. A huge number of these losers would be able tο buy a house just fine if they didn't insist on living beyond their means because they think they should have a nicer house at age 25 than their parents did at age 40, and that it has tο be in the most expensive area possible.

Trans lives matter, poor lives don't.

Honestly if you tip 20% you’re a cuck