Is this one of those things that colourblind people see right through? Because I just see a lady sitting in her vehicle with legs a similar colour to the seat. What am I missing here?
Not colorblind, she really is similar in color to the seat. The back of the seat can kinda make it look like she’s spreading your legs if you’re not looking right at the picture (for example, when reading the caption)
It’s irresponsible for banks to loan money, they pay many people salaries for risk assessment before loaning it. Also their loan is insured so even if you don’t pay it back they write the loss off.
Indeed. But they want to make money, so they rise the interest rate to make even more money and cut losses on failed debt repayments.
They solely exist to make money by extorting the people in debt. Who would have guessed?
So? Never have debts.
“Consumer” debts should ethically not exist as consumers just consume the money and are therefore not able to pay it back as it is not an “investment” debt, which has the chance to succeed.
you do realize that bankruptcy does have consequences, right? for one, it’s nearly impossible to find a new place to live if you’ve ever declared bankruptcy. If you work in certain sectors, you can lose your job. if you’re a government worker, you’d lose your security clearance or probably even a public trust. If you lose your job, new companies that might hire you would likely do a credit check for some reason and find you unqualified because of that bankruptcy.
So it’s double-triple bad to have debt? Then manage the finances, assess the risks, cut unrealistic expectations that will toss you into the debt spiral, because it’s triple-bad. Who is to blame?
The average credit card interest rate is 25%. Yes people shouldn’t borrow money they can’t pay back. However that doesn’t change the fact that interest rates on credit cards are wildly high and entrap people in a loop of only paying the interest off. Bankruptcy is their only hope of escape from that debt cycle.
People “spend irresponsibly” for a ton of reasons like medical expenses, paying for a funeral, having mental illnesses that they don’t even know about, etc. Life happens.
They received money from a rich guy or corporation who knows of the risk of their money going “poof.” Creditors aren’t mom-and-pop shops, and they will survive if an investment doesn’t go well. The same cannot be said for the person in deep credit card debt. Oftentimes, the lenders are the ones who have predatory practices and purposefully make it easier for peoples’ debt to spiral out of control, and you shouldn’t feel bad for those lenders.
medical insurance is a must, otherwise you are gambling and the chances to lose this bet are quite high.
funerals happen unexpected - when they actually absolutely do not. Everybody can be sure to die, so plan accordingly.
being “in deep credit card debt” is too late. One should never have swam out this far. Being “a tiny little bit in debt” should have the alarm bells blasting as financing is not self sustaining, “a tiny litte bit” is already much too late already because you’ve entered the spiral
student debts - well, not everybody has to study. If you can’t afford it reflect on it, if you really must. And if yes, seek alternatives like leaving the country tht is hell-bent to enslave you in debt if you want to study, find sponsors, arrange it with your expectations about a longer time horizon, etc. You are not able to pay for it? Do not do it! Seek solutions.
medical insurance is a must, otherwise you are gambling and the chances to lose this bet are quite high.
You can still have deep medical debt with good insurance. Saying otherwise is incredibly wrong and out of touch. This also ignores how good insurance is inaccessible to a good chunk of the population.
funerals happen unexpected - when they actually absolutely do not. Everybody can be sure to die, so plan accordingly.
Explain how someone who has 0 room in their budget after food, rent, and utilities can plan for the costs of a sudden death. The situation I described is incredibly common in America.
being “in deep credit card debt” is too late. One should never have swam out this far. Being “a tiny little bit in debt” should have the alarm bells blasting as financing is not self sustaining, “a tiny litte bit” is already much too late already because you’ve entered the spiral
Please explain how to avoid credit card debt when basic necessities cannot be obtained with the income you have. Assume that you can’t get a 2nd job because of child or eldercare duties.
student debts - well, not everybody has to study. If you can’t afford it reflect on it, if you really must. And if yes, seek alternatives like leaving the country tht is hell-bent to enslave you in debt if you want to study, find sponsors, arrange it with your expectations about a longer time horizon, etc. You are not able to pay for it? Do not do it! Seek solutions.
This would leave college inaccessible to the vast majority of students, especially from lower income families. Not going to college isn’t a solution when well-paying jobs require college degrees.
Your “solutions” in 2024 are essentially blaming lower-income individuals for being lower income individuals. Oftentimes, these lower-income individuals are lower-income because they were born into lower-income families and had fewer opportunities to become wealthy as a result. In 2024, basic necessities are inaccessible to many Americans because their wages aren’t high enough to meet the rising costs of these basic necessities. Their choice is to either suffer without basic needs and be able to afford less and less because their wages remain stagnant or to make poor financial choices to be able to live. Yes, the US has safety-net programs to help lower-income individuals gain more opportunities. No, these programs are not enough because they are underfunded, and the funds allocated to them are mishandled. No, it is not easy for individuals to get out of deep poverty. No, “don’t make even a single financial mistake in your life or you’ll suffer for 70+ years” is not a solution.
as a wannabe creator it’s rather terrifying to see that even Jocat, one of the softest and most wholesome creators I’ve had the pleasure of watching - gets bullied out of doing what he loves. Where are those hate mobs coming from? what is their point?
Jugglefruit and Krombusnombus aren’t actually mortal enemies because one said the others breath smelt like cat food and my attention is just being used for ad revenue that’s split between the two?!
People clearly do care, that's why they manufacture drama. It helps drive engagement and views.
Of course, it's hard not to look down on people who develop parasocial relationships with youtube personalities.
But some people are very lonely. So if anything we should be critical of the youtuber who knowingly cultivate unhealthy fanbases and profit off their misery.
I think it’s pretty easy to understand: “I do not care to hear about it”. they never once said “it doesn’t bother me to hear about and this post proves that”
I commend your not even knowing what I’m talking about.
My curiosity got the better of me because of reading other people’s comments.
I’d google ‘gloxxon cancelled’ because I thought it was actually a legitimate news story but it turns out he was embroiled in a high school level fight with Dinglebingle the reaction channel over saying his child had a watermelon shaped head.
They don’t have much in common besides being just awful, bigoted, and black Americans. Chappelle has far more in common with Ricky Gervais and J.K. Rowling in his awfulness while Thomas is more like Samuel Alito, Brett Kavenaugh, and Rudy Giuliani (who is himself the most knockoff possible version of Roy Cohn).
To understand recursion you first need to understand recursion you first need to understand recursion you first need to understand recursion you first need to understand recursion you first need to understand recursion you first need to understand recursion
If you are in the US, gift cards are required to be valid for at least 5 years (federal rule) and many states have longer rules. Also some states require unspent money to be paid back to the card holder as cash. There was a thread a couple of days ago on Lemmy all about gift cards and relevant consumer protections.
I wonder if prices being 24.99 makes a difference here too.
That would mean that for each gift card where the full amount is not spent, the company keeps 0.01. That 0.01 is technically owed but it doesn’t prevent the company from earning interest on the unspent cash (I don’t think).
Also some gift cards require own contribution to the purchase. For example a $25 card could only be used on a purchase of $25.01 or above so you still have to pick something that you will pay out of your own pocket for
Ikea where I live (Poland) does that. You have to spend at least 0,01 PLN yourself, even if it means not using the entire amount of the gift card that was available
That’s crazy. That sounds like it should not be legal.
Why not just require they spend $200 to use a gift card? That way the store either keeps the $50 gift card in cash on the books, or they make $250 in sales.
They don’t expire here, 3ither, but I found a 10-year-old gift card after a move and the company had switched to a new gift card system, so I had to spend an hour calling around to get my ancient gift card converted to modern store credit. It was not worth it for $20.
They basically force you to go to a specific store after the holidays before the allotted time expires. What if I don’t have time to go to that store? What if I don’t need anything from that store? What if I don’t like the store?
I’d rather they give me something useless than a gift card that is going to expire anyway.
memes
Active
This magazine is from a federated server and may be incomplete. Browse more on the original instance.