eah she’s fat but so do I. I would wanna pay some Dolla to have sex before i die (very soon given my heart state) Hmu if you are interested pretty girl CHILD MOLESTER
Yeah she’s fat but so do I. I would wanna pay some Dolla to have sex before i die (very soon given my heart state) Hmu if you are interested pretty girl CHILD MOLESTER
Yeah she’s fat but so do I. I would wanna pay some Dolla to have sex before i die (very soon given my heart state) Hmu if you are interested pretty girl CHILD MOLESTER
Yeah she’s fat but so do I. I would wanna pay some Dolla to have sex before i die (very soon given my heart state) Hmu if you are interested pretty girl CHILD MOLESTER
eah she’s fat but so do I. I would wanna pay some Dolla to have sex before i die (very soon given my heart state) Hmu if you are interested pretty girl CHILD MOLESTER
Yeah she’s fat but so do I. I would wanna pay some Dolla to have sex before i die (very soon given my heart state) Hmu if you are interested pretty girl CHILD MOLESTER
Yeah she’s fat but so do I. I would wanna pay some Dolla to have sex before i die (very soon given my heart state) Hmu if you are interested pretty girl CHILD MOLESTER
Yeah she’s fat but so do I. I would wanna pay some Dolla to have sex before i die (very soon given my heart state) Hmu if you are interested pretty girl CHILD MOLESTER
7 year cool down, and unless you are Trump and can afford extremely expensive legal representation, your odds of actually getting a full discharge of debt go down.
Given the effect it has on credit score, it will perhaps be more difficult to accumulate debt — it will be harder to take out large credit card, mortgage, or other loans. Probably not applicable to medical and whatnot.
In theory I think it makes sense: loans should be a privilege not a right, or something like that. But in reality, loans are essentially required for modern life, at least in the US. So the people who can least afford it end up with loans with ridiculous interest rates (even if the total loan amount is smaller than it would be pre-bankruptcy).
I am fortunate enough to be able to pay off my credit card every month, so the interest rate doesn’t really matter. It’s a great, but dystopian, example of positive feedback: those who can afford pay less (no interest), and those who can’t afford pay more (interest).
Could you please elaborate on the claim that loans are essentially required for modern life in the US? You might be able to make the argument for a mortgage but even that is not absolutely required. Possibly student loans could be seen as required but those are largely government subsidized/administered and typically given out to younger people who haven't yet gone through a bankruptcy.
Credit cards, for instance, are not required but extremely useful. For instance, my recollection is that when booking hotels or rental cars with a debit card they will put a hold on your account for collateral. This could be a problem if you’re living paycheck to paycheck. If you have a credit card, you may get a hold as well — but this is just reducing the amount of available credit. Functionally this is the same, if you have enough money, but if you’re living on the edge and your rent money is in your checking account, this is pretty unfortunate in the case if a debit card.
Additionally, credit cards offer consumer protections, including chargebacks. My understanding is that debit charges are much more difficult to dispute.
And, in the US, for many people not in urban centers, owning a car is essential for life/work. Quick Google search claims, in relation to savings, “The median balance for American households is $5,300.” So if your car bites the dust, buying a new (used) car may not be possible without a loan.
You’re right though, it’s certainly not literally required.
Yes, there is NO limit on the number of bankruptcies you can file for. However, there are time limits between filling dates. Here’s what a Forbes article mentions about it:
Just as there are different types of bankruptcy, there are different rules for how often you can file bankruptcy. The waiting period to file another bankruptcy case generally ranges from two to eight years, depending on the type of bankruptcy. In some situations, there may be no waiting period.
However, good luck getting creditors for years after filing for a bankruptcy. I imagine very few will trust you / loan you money, except for the most predatory (i.e. loan sharks). And if you did go with a predatory source, a future bankruptcy may not help you discharge the debt given predatory sources commonly operate outside of the law.
Money is not really fake, it’s a contract amongst us to trade and remember what we owe each other. Speculation and stock market is fake.
And what do you mean society isn’t natural? It’s exactly that.
The only way it could be is if you oppose natural with man made/related, but then the birth of a child is unnatural. It’s a stupid definition.
Natural is related to nature, and as far as i’m concerned human beings are part of it, everything we create is natural and to think otherwise is to think we’re above our own biology and determinism.
And yeah the sun is not gonna explode anytime soon.
So take it easy but when it’s called for and for the right reasons.
Not to come off as agreeing with the post, but I believe, from seeing other stuff, that “society isn’t natural” is short-hand for saying that humans evolved to exist in small groups of dozens of people who have to deal with, maybe, several dozen other similar groups of people. Thus it is not in our evolved nature to exist in the massive society of today.
Good point. Natural aint exactly biological but it’s closer and raise an important problem.
We did evolve into bigger society. That’s natural too, resources and services are easier to get with the more people.
On many levels our biology didn’t follow how quickly we invented new way to survive.
The point isn’t to discard society as unnatural of course, but you’re right to acknowledge the problem of our biology. We do need to reconcile the two.
The internet is a prime example of that, intercommunication brought a lot of fracturing of ideologies into smaller groups for example, and a lot of conflict.
I believe in that regard federated Lemmy might be a step on the right direction for social medias.
So.. You're still judging her harshly, despite finding out you were wrong (and decades behind everyone else, which takes some intentional avoidance of the topic, and clearly without taking in to consideration the impact people, well, like you, had on her mental health).
A caramel macchiato? What is this madness? Must taste like a boxing match in your mouth.
E: Oh, I see. Americans have recipes for “macchiato lattes” and flavoured macchiatos seem to have way too much milk to be a macchiato, which is normally a damn powerful espresso. I think if I ordered that here, they’d confirm confused, and my face would implode. But I’ll try later today.
Europe does it right. My ex wife would order either macchiato and cappuccino so she could keep awake on our trips. She’d order them and also add 2-3 things of sugar. I would just enjoy my cafe or espresso as is, depending on where we were.
Our last trip we were in Italy for 2 months, she stopped at Conad and found the American section, grabbed a bottle of chocolate syrup so she could make her own monstrosities. While not the reason for the divorce, this was a big problem for her back home. I do not miss the tons of ultra processed foods in my pantry.
People aren’t comparing it to alternatives, they’re comparing it to Google 5-10 years ago.
Google used to be astoundingly good at figuring out what it was you wanted, and finding out for you. Now there’s a lot more SEO garbage and meaningless fluff clogging every results page, and if your search could even remotely be related to buying something, it’s only products and ads.
Dude, I switched from Google for the first time in my life a couple months ago because I couldn’t take it anymore.
Ads, ads, ads, ads, ads, ads, ads
Ai articles, Ai articles, Ai articles, Ai articles, Ai articles
The fact that google has a built-in graphing calculator just isn’t worth it.
I won’t forget this, actually: I was looking up what to do next in a game I was playing—very deliberately, I care a lot about spoilers—and the “people also ask” section implied, for no reason, this had nothing to do with what I wanted to know, that a character who died really early on apparently has things to say in chapter 9.
No one is “good” just “good at” anyone saying otherwise is literally using religion to lie to you about being the very delusion of anyone that is “good.”
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